{ "meta": { "title": "Best Crypto Exchanges in the USA: 115 Platforms Ranked", "url": "https://world-crypt.net/best-crypto-exchanges-usa/", "as_of": "2026-10-05", "count": 115, "weights": { "access": 0.2, "regulation": 0.2, "security": 0.15, "cost": 0.15, "range": 0.1, "popularity": 0.15, "data_quality": 0.05 }, "note": "null = not verified. Scores: rating-usa formula (score.py), published on the page.", "license": "Free to cite with a link to the page." }, "platforms": [ { "id": "coinbase", "name": "Coinbase", "category": "cex", "website": "https://www.coinbase.com", "operator_us": "Coinbase, Inc.", "parent_company": "Coinbase Global, Inc. (NASDAQ: COIN)", "founded_year": 2012, "hq": null, "us_status": "available", "us_status_note": "Coinbase's licenses page (checked Oct 5, 2026) shows state licenses nationwide plus a New York BitLicense, and its FY2025 10-K describes US retail trading in crypto, stocks, futures and prediction markets.", "us_status_source": "https://www.coinbase.com/legal/licenses", "states_not_served": [], "states_note": "New staking is barred in CA, MD, NJ and WI; crypto-backed loans are not offered in NY.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1163082", "ny_license": "Both", "state_licenses_note": "Licenses page lists state money transmitter (or equivalent) licenses under NMLS 1163082; NY BitLicense no. 122466; several states' licenses (e.g. IN, LA, TN, VA) are noted as not covering virtual currency. Coinbase Custody Trust Company, LLC (NMLS 2455008) is a NY limited purpose trust company.", "cftc_nfa": "DCM (Coinbase Derivatives, LLC); FCM (Coinbase Financial Markets), subject to NFA rules", "sec_finra": "Coinbase Capital Markets Corporation: SEC-registered broker-dealer, FINRA member", "bank_charter": "OCC conditional approval on Apr 2, 2026 for Coinbase National Trust Company (custody; not yet a final charter)", "public_company": "NASDAQ: COIN", "other": "Owns derivatives exchange Deribit; Louisiana virtual currency business license (FY2025 10-K)" }, "assets": { "crypto_count_us": 360, "crypto_count_note": "'360+ crypto assets' for spot trading on Coinbase Exchange per FY2025 Form 10-K (Dec 31, 2025); NerdWallet's Dec 2025 review cites 350+ for US customers; Coinbase Advanced page shows 550+ spot pairs (Oct 2026)", "stablecoins_note": "USDC is central to the platform; the fee page also lists USDT transfers" }, "fees": { "spot_maker_pct": 0.6, "spot_taker_pct": 1.2, "simple_buy_fee": "Spread built into the quoted price (about 0.5% per NerdWallet) plus a Coinbase fee shown before you confirm; Coinbase's fee page cites a 1.875% Coinbase fee that varies by payment method", "trading_fee_note": "Coinbase Advanced tiers by 30-day volume, per secondary sources (official table requires sign-in): 0.35%/0.75% from $1K, 0.25%/0.40% from $10K, down to 0.00%/0.05% from $250M. Coinbase One subscription waives fees on simple trades up to plan limits.", "ach_deposit": "Free (secondary source; official payment-methods page lists no ACH fee)", "wire_deposit": "$10", "card_purchase": "Debit card accepted; fee shown at checkout (no fixed rate published on the pages checked)", "usd_withdrawal": "ACH free (secondary source); wire $25", "crypto_withdrawal": "Network fee; Lightning sends cost 0.2% of the amount", "other_fees": "Simple-trade limit orders: 1% execution fee. Staking commission 35% on ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, XTZ. US perpetual-style futures from 0.02% per contract ($0.15 minimum).", "fees_url": "https://help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees" }, "min_deposit_usd": 0, "funding_methods": [ "ACH", "Wire", "Debit card", "PayPal", "Apple Pay", "Google Pay", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": true, "perpetuals": true, "options": null, "margin": null, "staking": true, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": true, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": true, "tax_documents": null }, "products_note": "Perpetual-style futures (nano BTC and ETH at launch on July 21, 2025, up to 10x) run through CFTC-registered Coinbase Financial Markets. Access to Deribit options and global perps opened to US institutions on May 29, 2026, with retail expected later. Prediction markets are supplied by Kalshi (all 50 states since Jan 28, 2026). Stocks trade commission-free 24/5. USDC loans via Morpho exclude NY.", "custody_model": "custodial", "security": { "proof_of_reserves": "No (public company with audited financials; 10-K states customer assets are held one-to-one)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crime insurance covers a portion of digital assets against theft but not losses from compromised user credentials; USD cash is held at FDIC-insured banks with pass-through coverage up to $250,000; securities accounts have SIPC coverage up to $500,000. Crypto itself is not FDIC- or SIPC-insured.", "incidents": [ { "year": 2025, "type": "data_breach", "summary": "Disclosed May 15, 2025: bribed overseas support agents leaked personal data of under 1% of monthly users; Coinbase refused a $20M ransom and estimated costs of $180M-$400M.", "source": "https://fortune.com/2025/05/16/coinbase-data-breach-ransom-sec-investigation/" }, { "year": 2023, "type": "enforcement", "summary": "State actions bar new staking in California, Maryland, New Jersey and Wisconsin; assets staked there after June 6, 2023 are unstaked.", "source": "https://help.coinbase.com/en/coinbase/coinbase-staking/staking/eligibility" }, { "year": 2025, "type": "enforcement", "summary": "On Feb. 27, 2025 the SEC filed a joint stipulation dismissing its civil enforcement action against Coinbase, Inc. and Coinbase Global, Inc.", "source": "https://www.sec.gov/newsroom/press-releases/2025-47" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "1.8M", "ios_ratings_n": 1797684, "ios_url": "https://apps.apple.com/us/app/coinbase-buy-crypto-stocks/id886427730", "ios_app_name": "Coinbase: Buy Crypto & Stocks" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "All-in-one US platform", "summary": "Coinbase is a Nasdaq-listed US exchange (COIN) holding a New York BitLicense and state licenses nationwide. US customers can trade 360+ crypto assets, commission-free stocks, Kalshi-supplied prediction markets and CFTC-regulated perpetual-style futures in one account. Coinbase Advanced starts at 0.60% maker and 1.20% taker per secondary sources. In May 2025 it disclosed an insider-driven breach of customer data.", "pros": [ "New York BitLicense and state licenses across the US", "Crypto, stocks, prediction markets and regulated futures in one account", "Public company with audited financials and SEC filings" ], "cons": [ "Entry Advanced tier reported at 0.60% maker, 1.20% taker", "May 2025 insider breach exposed some customers' personal data", "No proof-of-reserves report; new staking barred in four states" ], "sources": [ "https://www.coinbase.com/legal/licenses", "https://www.coinbase.com/places", "https://help.coinbase.com/en/coinbase/trading-and-funding/advanced-trade/advanced-trade-fees", "https://www.coinbase.com/advanced-fees", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/coinbase-buy-crypto-stocks/id886427730" ], "confidence": "medium", "as_of": "2026-10-05", "verified": { "operator_us": "Coinbase, Inc.", "regulation": { "nmls_id": "1163082", "ny_license": "Both", "state_licenses_note": "Money transmitter licenses listed for all 50 states plus DC and Puerto Rico; NY money transmitter license and virtual currency license; Coinbase Custody Trust Company, LLC holds a NY limited purpose trust charter", "cftc_nfa": "DCM (Coinbase Derivatives, LLC)" }, "ny_available": true, "states_note": "Prediction markets not available in Nevada (coinbase.com/places)" }, "not_verified": [ "Advanced Trade base maker/taker tier (0.40/0.60 vs 0.60/1.20)", "states_not_served as an explicit list" ], "score": { "total": 8, "pillars": { "access": 10, "regulation": 10, "security": 5, "cost": 2.8, "range": 10, "popularity": 10, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "coinbase", "rank": 1, "category_rank": 1 }, { "id": "robinhood", "name": "Robinhood", "category": "broker_app", "website": "https://robinhood.com/us/en/crypto/", "operator_us": "Robinhood Crypto, LLC", "parent_company": "Robinhood Markets, Inc. (NASDAQ: HOOD)", "founded_year": 2013, "hq": "Menlo Park, CA, USA", "us_status": "available", "us_status_note": "Robinhood Crypto, LLC serves all US states plus DC, Puerto Rico and the US Virgin Islands, per its crypto transfers support page as checked on October 5, 2026.", "us_status_source": "https://robinhood.com/us/en/support/articles/crypto-transfers/", "states_not_served": [], "states_note": "About 24 listed coins are not tradable in New York; the availability page footnotes a Texas restriction on stablecoin trading (USDG, possibly USDC); staking is not offered in CA, MD, NJ or WI; the crypto ladder is not available in North Carolina.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1702840", "ny_license": "BitLicense", "state_licenses_note": "NYDFS lists Robinhood Crypto, LLC with virtual currency and money transmitter licenses granted January 2019; other state licenses were not itemized in this research.", "cftc_nfa": "FCM (Robinhood Derivatives, LLC), NFA member", "sec_finra": null, "bank_charter": null, "public_company": "NASDAQ: HOOD", "other": "Owns Bitstamp; Bitstamp USA, Inc. holds its own New York virtual currency license (April 2019, NYDFS list). The self-custody Robinhood Wallet is offered by Robinhood Non-Custodial, Ltd." }, "assets": { "crypto_count_us": 100, "crypto_count_note": "'100+': an automated count of the official 'Crypto availability' list returned about 115 tradable coins on Oct 5, 2026 (not hand-verified), about 24 of them unavailable in New York; the transfers page also describes over 100 supported coins.", "stablecoins_note": "USDC and USDG are listed as tradable, with a Texas restriction footnoted on the availability page; USDT, DAI and USDP appear as market data only, not tradable." }, "fees": { "spot_maker_pct": 0.5, "spot_taker_pct": 0.95, "simple_buy_fee": "No commission on default market-maker-routed orders; the cost is the spread in the quoted price (percentage not stated on the fee schedule)", "trading_fee_note": "Smart exchange routing (Robinhood Legend, mobile ladder, some advanced charts) uses trailing 30-day volume tiers: 0.95% taker / 0.50% maker under $10K, down to 0.03% taker / 0.00% maker at $25M+. Maker/taker pricing is rolling out gradually.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "No Robinhood fee; blockchain network fee applies", "other_fees": "Staking: 25% commission on rewards. Robinhood Connect on-ramp: 0%-1.5% for debit card or bank transfer.", "fees_url": "https://cdn.robinhood.com/assets/robinhood/legal/rhc-fee-schedule.pdf" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": true, "perpetuals": false, "options": false, "margin": false, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Staking covers ETH, SOL and ADA. Crypto futures trade through Robinhood Derivatives, LLC. US crypto perpetual futures (up to 10x on BTC and ETH) were announced on September 29, 2026 for 'the coming months' and are not live. Stock, ETF and options trading share the app, but margin buying power cannot be used to buy crypto. The crypto page also mentions onchain lending in some jurisdictions (not verified for US users).", "custody_model": "custodial", "security": { "proof_of_reserves": "No (none published on the official crypto security page)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crime insurance against theft and cybersecurity breaches underwritten by Lloyd's syndicates; most crypto is held in cold storage; crypto is not FDIC insured or SIPC protected.", "incidents": [ { "year": 2022, "type": "enforcement", "summary": "NYDFS fined Robinhood Crypto, LLC $30 million on August 2, 2022 for anti-money-laundering, cybersecurity and consumer protection violations.", "source": "https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202208021" }, { "year": 2024, "type": "settlement", "summary": "California's Attorney General announced a $3.9 million settlement with Robinhood Crypto in September 2024.", "source": "https://oag.ca.gov/news/press-releases/attorney-general-bonta-secures-39-million-settlement-cryptocurrency-company" }, { "year": 2025, "type": "other", "summary": "The SEC's Enforcement Division closed its investigation of Robinhood Crypto in February 2025 without taking action.", "source": "https://cointelegraph.com/news/sec-enforcement-division-closes-investigation-robinhood-crypto" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.3, "ios_ratings_count": "4.9M", "ios_ratings_n": 4867189, "ios_url": "https://apps.apple.com/us/app/robinhood-trading-investing/id938003185", "ios_app_name": "Robinhood: Trading & Investing" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Commission-free crypto with transfers", "summary": "Robinhood Crypto, LLC lists more than 100 cryptocurrencies in all US states, DC, Puerto Rico and the US Virgin Islands, with a shorter list in New York. Default orders carry no commission and are priced through the spread; exchange-routed orders start at 0.95% taker and 0.50% maker. Crypto can be withdrawn to external wallets, and ETH, SOL and ADA staking carries a 25% commission.", "pros": [ "100+ coins; serves all states, DC and Puerto Rico", "No commission on default orders; tiered maker/taker pricing on exchange routing", "External wallet withdrawals with no Robinhood transfer fee" ], "cons": [ "Spread on default orders is not published on the fee schedule", "Staking unavailable in CA, MD, NJ and WI; 25% commission", "NYDFS fined Robinhood Crypto $30 million in 2022" ], "sources": [ "https://cdn.robinhood.com/assets/robinhood/legal/rhc-fee-schedule.pdf", "https://robinhood.com/us/en/support/articles/crypto-fee-tiers/", "https://robinhood.com/us/en/support/articles/coin-availability/", "https://robinhood.com/us/en/support/articles/crypto-transfers/", "https://robinhood.com/us/en/support/articles/crypto-staking/", "https://robinhood.com/us/en/support/articles/crypto-security/", "https://robinhood.com/us/en/support/articles/crypto-account-funding/", "https://robinhood.com/us/en/crypto/", "https://robinhood.com/us/en/about/futures/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202208021", "https://decrypt.co/238044/robinhood-available-all-us-states-puerto-rico-virgin-islands", "https://cryptodaily.co.uk/2026/10/robinhood-us-crypto-perpetual-futures-ai-agents", "https://apps.apple.com/us/app/robinhood-trading-investing/id938003185" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 8, "pillars": { "access": 10, "regulation": 8.5, "security": 5.3, "cost": 4.3, "range": 8.9, "popularity": 10, "data_quality": 10 }, "cost_basis": "taker_fee" }, "slug": "robinhood", "rank": 2, "category_rank": 1 }, { "id": "crypto-com", "name": "Crypto.com", "category": "cex", "website": "https://crypto.com/us", "operator_us": null, "parent_company": "Foris DAX group (Foris DAX Asia, Singapore; Foris DAX MT (Malta) Limited), per Wikipedia", "founded_year": 2016, "hq": "Singapore", "us_status": "available", "us_status_note": "The Crypto.com App is available in 49 states plus DC and US territories; New York is restricted, per help articles updated Sept 15, 2025 and May 12, 2026.", "us_status_source": "https://help.crypto.com/en/articles/2692288-in-which-u-s-states-the-crypto-com-app-is-available", "states_not_served": [ "NY" ], "states_note": "App available in 49 states, DC, American Samoa, Northern Mariana Islands, Puerto Rico, Virgin Islands and Guam; the prepaid debit card is not offered in the territories.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": null, "ny_license": null, "state_licenses_note": "US licenses page lists money transmitter licenses and a non-depository trust company charter (state-by-state detail not retrieved)", "cftc_nfa": "DCM and DCO licenses (Crypto.com | Derivatives North America); CFTC approval on Sept 26, 2025 to offer cleared margined derivatives (per Wikipedia)", "sec_finra": "Broker-dealer registration listed on the US licenses page (entity name not retrieved)", "bank_charter": "OCC conditional approval for a national trust bank charter (Feb 23, 2026, per Wikipedia; listed as conditional on the licenses page)", "public_company": null, "other": null }, "assets": { "crypto_count_us": 400, "crypto_count_note": "'400+ supported cryptocurrencies' per crypto.com/us, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Variable admin fee shown in the trade preview before confirming; spread and card-issuer fees may apply", "trading_fee_note": null, "ach_deposit": "Free on the Exchange ($1 minimum; bank may charge)", "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Exchange ACH withdrawals: $100 minimum; USD withdrawal charges may apply", "crypto_withdrawal": null, "other_fees": "$40 administration fee on erroneous ACH deposit returns (Exchange)", "fees_url": "https://help.crypto.com/en/articles/12291079-us-retail-users-usd-cash-deposit-and-withdrawal-via-ach-bank-transfer-exchange" }, "min_deposit_usd": 1, "funding_methods": [ "ACH", "Wire", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": null, "trading_bots": true, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": true, "tax_documents": null }, "products_note": "The US site lists crypto, stocks, ETFs, IRAs, staking, Earn, a Visa Signature credit card (US only), DCA/Grid/TWAP bots, the Onchain wallet and prediction markets on Crypto.com | Derivatives North America. It also lists perpetuals and UpDown/Strike options, but their availability to US retail users was not confirmed.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - but dated: the official page shows a Mazars agreed-upon-procedures report as of Dec 7, 2022 and no newer attestation", "proof_of_reserves_url": "https://crypto.com/proof-of-reserves", "audits_certifications": "AICPA SOC, ISO 27701, ISO 22301 and PCI DSS badges shown on the US site", "insurance_note": null, "incidents": [ { "year": 2022, "type": "hack", "summary": "A January 2022 breach led to about $15 million in ether being stolen; withdrawals were paused and the company said no customer funds were lost.", "source": "https://en.wikipedia.org/wiki/Crypto.com" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "335K", "ios_ratings_n": 334998, "ios_url": "https://apps.apple.com/us/app/crypto-com-trade-every-market/id1262148500", "ios_app_name": "Crypto.com: Trade Every Market" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Crypto, stocks and predictions", "summary": "Crypto.com's app serves US residents in 49 states and DC; New York is restricted. Its US site lists 400+ cryptocurrencies alongside stocks, ETFs, IRAs, trading bots and prediction markets on its CFTC-regulated derivatives exchange. It received conditional OCC approval for a national trust bank charter in February 2026. The proof of reserves shown on its website dates from December 2022.", "pros": [ "400+ cryptocurrencies plus stocks, ETFs, IRAs and prediction markets", "Conditional OCC approval for a national trust bank charter", "Free ACH deposits on the Exchange from $1" ], "cons": [ "App not available to New York residents", "Published proof of reserves dates from December 2022", "January 2022 hack: about $15 million in ether stolen" ], "sources": [ "https://crypto.com/exchange/document/fees-limits", "https://help.crypto.com/en/collections/2031951-crypto-com-exchange", "https://help.crypto.com/en/articles/10095676-zero-maker-fee-promotion-exchange-app", "https://help.crypto.com/en/articles/4494840-does-crypto-com-charge-any-fees-for-crypto-purchases", "https://help.crypto.com/en/articles/2692288-in-which-u-s-states-the-crypto-com-app-is-available", "https://crypto.com/us", "https://apps.apple.com/us/app/crypto-com-trade-every-market/id1262148500" ], "confidence": "medium", "as_of": "2026-10-05", "verified": [], "not_verified": [ "US Exchange maker/taker base tier", "App purchase fees" ], "score": { "total": 7.8, "pillars": { "access": 9.9, "regulation": 7, "security": 7, "cost": 5, "range": 10, "popularity": 8.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "crypto-com", "rank": 3, "category_rank": 2 }, { "id": "etrade", "name": "E*TRADE from Morgan Stanley", "category": "broker_app", "website": "https://us.etrade.com/what-we-offer/our-accounts/crypto", "operator_us": "Morgan Stanley Smith Barney LLC (brokerage); crypto accounts, trading and custody at Zero Hash LLC", "parent_company": "Morgan Stanley (NYSE: MS)", "founded_year": 1982, "hq": "Arlington, VA, USA", "us_status": "available", "us_status_note": "E*TRADE completed its rollout of spot Bitcoin, Ethereum and Solana trading on July 16, 2026 (pilot from May 2026), charging 0.50% per trade through Zero Hash.", "us_status_source": "https://www.morganstanley.com/press-releases/etrade-completes-crypto-spot-trading-rollout", "states_not_served": null, "states_note": "E*TRADE says any US-based client can open the linked zerohash crypto account; no list of excluded states appears on the pages checked.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": true, "nmls_id": "1699379", "ny_license": "BitLicense", "state_licenses_note": "Zero Hash LLC lists money transmitter licenses in all 50 states, DC and Puerto Rico. Morgan Stanley Smith Barney LLC does not transact in or custody digital assets.", "cftc_nfa": "E*TRADE Futures LLC (futures and futures options)", "sec_finra": "Morgan Stanley Smith Barney LLC - broker-dealer (securities)", "bank_charter": "Morgan Stanley Private Bank, N.A. (banking). Morgan Stanley Digital Trust, N.A., in organization, is expected to take over digital asset services.", "public_company": "NYSE: MS (parent Morgan Stanley)", "other": "The FinCEN MSB registration, NMLS ID 1699379 and New York virtual currency licenses belong to Zero Hash, not to Morgan Stanley." }, "assets": { "crypto_count_us": 3, "crypto_count_note": "Bitcoin, Ethereum and Solana (official crypto page, Oct 2026).", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.50% commission on the notional trade value; E*TRADE states there is no additional spread fee and no markup", "trading_fee_note": "The commission is charged by Zero Hash, and E*TRADE receives a portion.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Not available yet (crypto transfers are listed as coming soon)", "other_fees": null, "fees_url": "https://us.etrade.com/what-we-offer/pricing-and-rates" }, "min_deposit_usd": null, "funding_methods": [ "E*TRADE brokerage account (shared buying power)" ], "products": { "spot": true, "advanced_trading": null, "futures": true, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto trades 24/7 in a separate zerohash account linked to an individual E*TRADE brokerage account, with shared buying power. Crypto transfers in and out are not yet live. The futures flag refers to E*TRADE Futures LLC, not to crypto-specific contracts.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Digital assets held through zerohash are not FDIC insured or SIPC protected.", "incidents": [ { "year": 2022, "type": "enforcement", "summary": "FINRA censured E*TRADE Securities and fined it $350,000 in January 2022 for failing to adequately monitor for potentially manipulative trading, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/E-Trade" }, { "year": 2022, "type": "settlement", "summary": "Parent Morgan Stanley paid $125 million in September 2022 to settle SEC and CFTC charges in an industry-wide enforcement action, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/E-Trade" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "381K", "ios_ratings_n": 380765, "ios_url": "https://apps.apple.com/us/app/e-trade-invest-trade-save/id313259740", "ios_app_name": "E*TRADE: Invest. Trade. Save." }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Existing E*TRADE clients", "summary": "E*TRADE from Morgan Stanley completed its rollout of spot crypto trading on July 16, 2026. Clients can trade Bitcoin, Ethereum and Solana around the clock for a 0.50% commission with no added spread, using a separate Zero Hash account linked to their brokerage account. Zero Hash holds the assets, which are not SIPC or FDIC protected. Crypto transfers in or out are not yet available.", "pros": [ "0.50% commission with no additional spread or markup", "Crypto and brokerage accounts share buying power", "Custody at Zero Hash, which holds New York virtual currency licenses" ], "cons": [ "Only three coins: Bitcoin, Ethereum and Solana", "No crypto deposits or withdrawals yet", "Assets sit at Zero Hash without SIPC or FDIC protection" ], "sources": [ "https://www.morganstanley.com/press-releases/etrade-completes-crypto-spot-trading-rollout", "https://www.nasdaq.com/press-release/etrade-morgan-stanley-completes-rollout-crypto-spot-trading-2026-07-16", "https://us.etrade.com/what-we-offer/our-accounts/crypto", "https://us.etrade.com/what-we-offer/pricing-and-rates", "https://cointelegraph.com/news/morgan-stanleys-etrade-rolls-out-spot-crypto-trading-for-retail-investors", "https://zerohash.zendesk.com/hc/en-us/articles/360008819314-US-Licenses-and-Disclosures", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://en.wikipedia.org/wiki/E-Trade", "https://apps.apple.com/us/app/e-trade-invest-trade-save/id313259740" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 7.6, "pillars": { "access": 9, "regulation": 10, "security": 5.6, "cost": 5, "range": 3.9, "popularity": 8.7, "data_quality": 10 }, "cost_basis": "default" }, "slug": "etrade", "rank": 4, "category_rank": 2 }, { "id": "kraken", "name": "Kraken", "category": "cex", "website": "https://www.kraken.com", "operator_us": "Payward Interactive, Inc. d/b/a Kraken", "parent_company": "Payward, Inc.", "founded_year": 2011, "hq": "San Francisco, CA, USA", "us_status": "available", "us_status_note": "Kraken's licensing page (checked Oct 5, 2026) says it does not offer services to residents of Maine and New York; other states are served, with transfer restrictions in a few.", "us_status_source": "https://support.kraken.com/articles/where-is-kraken-licensed-or-regulated", "states_not_served": [ "ME", "NY" ], "states_note": "Kraken's licensing page says 'fiat transfers' are not available in IN, LA, MA and UT and 'crypto transfers' are not available in IN (scope not defined on the page); TX and NH residents cannot hold or trade EUR. Krak debit card excludes NY, ME, MA and IN. Stocks (Kraken Equities) not available in all states.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1843762", "ny_license": "None", "state_licenses_note": "Payward Interactive, Inc. lists money transmitter licenses in about 44 states plus DC and Puerto Rico; New York and Maine are not on the list (Hawaii, Indiana, Massachusetts and Montana also do not appear)", "cftc_nfa": "FCM: NinjaTrader Clearing, LLC d/b/a Kraken Derivatives US (NFA ID 0309379); acquired derivatives venue Bitnomial (closed May 2026)", "sec_finra": "Kraken Securities LLC (SEC-registered broker-dealer, FINRA/SIPC member); Kraken Adviser LLC (SEC-registered investment adviser)", "bank_charter": "Wyoming SPDI (Kraken Financial)", "public_company": null, "other": "FinCEN MSB registration no. 31000270997766. IPO: confidential draft registration filed Nov 2025, paused March 2026, not listed as of Sept 2026." }, "assets": { "crypto_count_us": null, "crypto_count_note": "Kraken's licensing page lists 83 assets restricted for US clients (Oct 5, 2026)", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.4, "spot_taker_pct": 0.8, "simple_buy_fee": "1% fee on instant and recurring buys (1.5% on custom orders) plus a spread; payment-method fees are extra", "trading_fee_note": "Kraken Pro tiers use the better of 30-day volume or assets on platform: 0.30%/0.60% from $2.5K, 0.22%/0.38% from $10K, down to 0.00%/0.05% at $500M+. Stablecoin and FX pairs start at 0.20%/0.20%. Kraken+ members pay zero trading fees on up to $10,000 a month of buy/sell/convert orders.", "ach_deposit": "Free ($1 minimum, near-instant via Plaid)", "wire_deposit": "Free by Fedwire ($1 minimum)", "card_purchase": "Debit card deposit: 3.75% + $0.25", "usd_withdrawal": "ACH free; Fedwire $4; instant RTP 1.5% (max $50)", "crypto_withdrawal": null, "other_fees": "Margin opening and rollover fees of 0.01%-0.05% per 4 hours; 2% margin liquidation fee; PayPal deposits carry processing fees", "fees_url": "https://www.kraken.com/features/fee-schedule" }, "min_deposit_usd": 1, "funding_methods": [ "ACH", "Wire", "Debit card", "PayPal", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": true, "perpetuals": true, "options": null, "margin": true, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": true, "crypto_card": true, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "US futures are 16 Bitnomial perpetual futures contracts on Kraken Pro, cleared through Kraken Derivatives US (CFTC-registered FCM). Kraken Borrow (launched Sept 24, 2026) gives spot margin up to 3x in 48 states. Commission-free trading in 11,000+ US stocks and ETFs through Kraken Securities. Flare staking and Opt-In Rewards (non-accredited) are not offered in the US. The Krak debit card (Lead Bank, Visa) is described as rolling out.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - recurring attestation by an independent accounting firm (not named on the page); latest as of June 30, 2026 (BTC 102.9%, ETH 100.5%)", "proof_of_reserves_url": "https://www.kraken.com/proof-of-reserves", "audits_certifications": null, "insurance_note": "Kraken's US disclosures state digital assets and Kraken accounts are not insured against losses and are not FDIC- or SIPC-protected; Kraken Securities LLC is a SIPC member for securities.", "incidents": [ { "year": 2023, "type": "settlement", "summary": "Paid $30 million to the SEC in February 2023 and agreed to end its US staking program at the time.", "source": "https://en.wikipedia.org/wiki/Kraken_(cryptocurrency_exchange)" }, { "year": 2025, "type": "enforcement", "summary": "The SEC agreed in March 2025 to drop its lawsuit that had sought to treat Kraken as an unregistered securities exchange.", "source": "https://en.wikipedia.org/wiki/Kraken_(cryptocurrency_exchange)" }, { "year": 2022, "type": "settlement", "summary": "Settled with OFAC in 2022 for about $362,000, plus $100,000 in sanctions-compliance investments, over apparent sanctions violations.", "source": "https://en.wikipedia.org/wiki/Kraken_(cryptocurrency_exchange)" }, { "year": 2021, "type": "settlement", "summary": "Paid a $1.25 million CFTC penalty in 2021 over unregistered margin trading.", "source": "https://en.wikipedia.org/wiki/Kraken_(cryptocurrency_exchange)" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "36K", "ios_ratings_n": 35504, "ios_url": "https://apps.apple.com/us/app/kraken-buy-crypto-stocks/id1481947260", "ios_app_name": "Kraken: Buy Crypto & Stocks" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "Margin and perpetuals traders", "summary": "Kraken, operated in the US by Payward Interactive, Inc., accepts residents of every state except New York and Maine. Kraken Pro starts at 0.40% maker and 0.80% taker; instant buys cost 1% plus a spread. US clients also get commission-free stocks, CFTC-regulated perpetual futures and spot margin up to 3x. Its latest Proof of Reserves is dated June 30, 2026.", "pros": [ "Proof of Reserves attested as of June 30, 2026", "Free ACH and Fedwire USD deposits from $1", "CFTC-regulated perpetual futures and 3x spot margin for US clients" ], "cons": [ "Not available to New York or Maine residents", "83 listed crypto assets are restricted for US clients", "Entry Kraken Pro tier costs 0.40% maker, 0.80% taker" ], "sources": [ "https://www.kraken.com/features/fee-schedule", "https://support.kraken.com/articles/where-is-kraken-licensed-or-regulated", "https://www.kraken.com/legal/disclosures", "https://www.kraken.com/proof-of-reserves", "https://support.kraken.com/articles/360000381846-cash-deposit-options-fees-minimums-and-processing-times-", "https://support.kraken.com/articles/360000423043-cash-withdrawal-options-fees-minimums-and-processing-times-", "https://blog.kraken.com/product/borrow/us-customers", "https://www.kraken.com/features/futures", "https://www.kraken.com/features/staking", "https://krak.app/", "https://www.kraken.com/prices", "https://www.kraken.com/", "https://blog.kraken.com/news", "https://finance.yahoo.com/markets/crypto/articles/kraken-building-wall-streets-crypto-230000919.html", "https://en.wikipedia.org/wiki/Kraken_(cryptocurrency_exchange)", "https://apps.apple.com/us/app/kraken-buy-crypto-stocks/id1481947260" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 7.4, "pillars": { "access": 9.8, "regulation": 8, "security": 6.5, "cost": 5.2, "range": 5.7, "popularity": 6.6, "data_quality": 10 }, "cost_basis": "taker_fee" }, "slug": "kraken", "rank": 5, "category_rank": 3 }, { "id": "tastytrade", "name": "tastytrade", "category": "broker_app", "website": "https://tastytrade.com", "operator_us": "tastytrade, Inc. (brokerage); crypto execution by Zero Hash Liquidity Services LLC and custody by Zero Hash LLC", "parent_company": "IG Group Holdings plc (LSE: IGG), via IG US Holdings, Inc.", "founded_year": 2017, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "Spot trading in 20+ cryptocurrencies is offered to holders of an approved individual tastytrade account through Zero Hash, per the official crypto page checked on October 5, 2026.", "us_status_source": "https://tastytrade.com/crypto/", "states_not_served": null, "states_note": "tastytrade publishes no state list for crypto on the pages checked. Its provider Zero Hash LLC lists money transmitter licenses in all 50 states, DC and Puerto Rico.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1699379", "ny_license": "BitLicense", "state_licenses_note": "Licenses for crypto are held by the provider: Zero Hash LLC lists money transmitter licenses in all 50 states, DC and Puerto Rico (license page updated June 3, 2026).", "cftc_nfa": "tastytrade, Inc. is an NFA member (futures)", "sec_finra": "tastytrade, Inc. - broker-dealer, member FINRA and SIPC", "bank_charter": null, "public_company": "LSE: IGG (parent IG Group Holdings plc)", "other": "The FinCEN MSB registration, NMLS ID 1699379 and New York virtual currency licenses belong to Zero Hash (Zero Hash LLC and Zero Hash Liquidity Services LLC), not to tastytrade, Inc." }, "assets": { "crypto_count_us": 20, "crypto_count_note": "'20+ assets' per the official crypto page (Oct 2026); 17 coins were named after the March 2025 expansion.", "stablecoins_note": "USDC, USDT, PYUSD and RLUSD can be deposited to fund an individual account ($1 minimum); stablecoin withdrawals are not yet supported." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.75% of trade value for BTC and ETH and 1% for other coins, on both buys and sells; taken as a Zero Hash markup/markdown in the execution price ($1.00 minimum per fill, capped at 3% of notional)", "trading_fee_note": "No volume tiers. tastytrade receives 65% of the Zero Hash markup.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://tastytrade.com/pricing/" }, "min_deposit_usd": null, "funding_methods": [ "Stablecoin deposit (USDC, USDT, PYUSD, RLUSD)" ], "products": { "spot": true, "advanced_trading": null, "futures": true, "perpetuals": false, "options": true, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto is spot only, must be fully paid and cannot be traded on margin. Futures and options flags refer to tastytrade's brokerage products (stock and index options, e-mini, micro and e-nano futures).", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto holdings are not covered by SIPC or FDIC.", "incidents": [ { "year": 2024, "type": "other", "summary": "A system failure in April 2024 caused mistaken withdrawals from more than 50 customer accounts, according to Wikipedia's summary of press reports.", "source": "https://en.wikipedia.org/wiki/Tastytrade" }, { "year": 2021, "type": "outage", "summary": "A platform outage in January 2021 during volatile markets left clients unable to manage positions, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/Tastytrade" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": true, "ios_rating": 4.8, "ios_ratings_count": "13K", "ios_ratings_n": 13322, "ios_url": "https://apps.apple.com/us/app/tastytrade-invest-trade/id1276909854", "ios_app_name": "tastytrade: Invest & Trade" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Active multi-asset traders", "summary": "tastytrade is a Chicago-based broker-dealer (tastytrade, Inc., member FINRA, SIPC and NFA) owned by IG Group. It offers spot trading in 20+ cryptocurrencies through Zero Hash, which executes orders and holds the coins. Pricing is 0.75% per side for Bitcoin and Ether and 1% for other coins, built into the execution price. Crypto cannot be traded on margin and is not SIPC or FDIC protected.", "pros": [ "Crypto alongside stocks, options and futures in one account", "Published pricing: 0.75% for BTC and ETH, 1% for others", "Holdings can be transferred to external wallets, per tastytrade" ], "cons": [ "Fee is embedded in the execution price as a markup", "Crypto is not covered by SIPC or FDIC", "Stablecoin withdrawals not yet supported" ], "sources": [ "https://tastytrade.com/crypto/", "https://tastytrade.com/pricing/", "https://www.tastycrypto.com/tastytrade/", "https://markets.financialcontent.com/dowtheoryletters/article/gnwcq-2025-3-19-tastytrade-expands-crypto-trading-with-new-digital-assets-powered-by-zero-hash", "https://zerohash.zendesk.com/hc/en-us/articles/360008819314-US-Licenses-and-Disclosures", "https://zerohash.com/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://en.wikipedia.org/wiki/Tastytrade", "https://apps.apple.com/us/app/tastytrade-invest-trade/id1276909854" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 7.3, "pillars": { "access": 9, "regulation": 9.5, "security": 6.4, "cost": 5, "range": 6.5, "popularity": 5.7, "data_quality": 7 }, "cost_basis": "default" }, "slug": "tastytrade", "rank": 6, "category_rank": 3 }, { "id": "gemini", "name": "Gemini", "category": "cex", "website": "https://www.gemini.com", "operator_us": "Gemini Trust Company, LLC; Gemini Moonbase, LLC", "parent_company": "Gemini Space Station, Inc. (NASDAQ: GEMI)", "founded_year": 2014, "hq": "New York, NY, USA", "us_status": "available", "us_status_note": "Gemini's areas-of-availability page (checked Oct 5, 2026) lists all 50 states, DC, Puerto Rico and the US Virgin Islands; it closed UK and EEA accounts effective April 6, 2026.", "us_status_source": "https://www.gemini.com/areas-of-availability", "states_not_served": [], "states_note": "Staking is offered only in 'certain jurisdictions in the United States'; stock trading is limited to eligible states; margin is limited to eligible contract participants.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1518126", "ny_license": "NY limited purpose trust charter", "state_licenses_note": "Gemini Trust Company, LLC (NMLS 1518126) is NYDFS-licensed; Gemini Moonbase, LLC (NMLS 2403509) publishes separate state disclosures (individual state licenses not checked)", "cftc_nfa": "DCM license (Dec 2025) and DCO license (Apr 2026; clearinghouse live Aug 4, 2026), used for prediction markets", "sec_finra": "Gemini Galactic Markets, LLC (CRD 304761): broker-dealer, FINRA/SIPC member; stocks cleared by Apex Clearing", "bank_charter": null, "public_company": "NASDAQ: GEMI", "other": "Gemini Trust Company is a fiduciary and qualified custodian under New York Banking Law" }, "assets": { "crypto_count_us": 90, "crypto_count_note": "'90+ cryptos' per gemini.com homepage, Oct 2026 (roundups dated Oct 1, 2026 cite 78-82)", "stablecoins_note": "Issues Gemini Dollar (GUSD); RLUSD/USD, USDC/GUSD and GUSD/USD pairs trade at 0% on ActiveTrader" }, "fees": { "spot_maker_pct": 0.6, "spot_taker_pct": 1.2, "simple_buy_fee": "Variable fee shown on the trade review screen plus a spread built into the quoted price (Gemini Mode schedule effective Feb 15, 2026; no fixed public rate)", "trading_fee_note": "ActiveTrader schedule effective Sept 1, 2026; tiers use trailing 30-day volume or USD asset balance: 0.40%/0.80% from $10K, 0.25%/0.50% from $25K, 0.125%/0.25% from $75K, down to 0.00%/0.02% at $250M+.", "ach_deposit": "Free", "wire_deposit": "Free (sending bank may charge)", "card_purchase": "3.49% (debit card)", "usd_withdrawal": "ACH free; wire $25", "crypto_withdrawal": "Dynamic network fee passed through", "other_fees": "PayPal deposits 2.50%; staking fee up to 35% of rewards; stocks commission-free (regulatory pass-through fees on sells); prediction-market fees 0.0175 (maker) / 0.07 (taker) x contracts x P x (1-P)", "fees_url": "https://www.gemini.com/fees/activetrader-fee-schedule" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Debit card", "PayPal", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": false, "options": null, "margin": false, "staking": true, "earn_yield": false, "lending_borrowing": null, "recurring_buys": true, "crypto_card": true, "stocks_etfs": true, "ira": null, "otc_desk": true, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": true, "tax_documents": null }, "products_note": "Prediction markets launched Dec 2025 under Gemini's CFTC licenses. Commission-free stock trading launched July 7, 2026 in eligible states. Perpetuals are provided by Gemini Artemis Pte. Ltd. in select non-US jurisdictions; US crypto futures, options and perps were described as planned in Aug 2026. Margin (up to 5x) is only for eligible contract participants. Staking covers ETH, SOL, MON and HYPE. The Earn lending program is closed.", "custody_model": "custodial", "security": { "proof_of_reserves": "No (Trust Center states customer funds are held 1:1 and lists annual audited financial statements for 2019-2025; no proof-of-reserves report)", "proof_of_reserves_url": null, "audits_certifications": "SOC 1 Type 2 and SOC 2 Type 2 (examined by Deloitte); ISO/IEC 27001:2022", "insurance_note": null, "incidents": [ { "year": 2024, "type": "settlement", "summary": "Agreed with NYDFS to return at least $1.1 billion to Gemini Earn customers and pay a $37 million fine.", "source": "https://en.wikipedia.org/wiki/Gemini_(cryptocurrency_exchange)" }, { "year": 2023, "type": "enforcement", "summary": "The SEC charged Gemini on Jan. 12, 2023 over the unregistered offering of the Gemini Earn lending program.", "source": "https://en.wikipedia.org/wiki/Gemini_(cryptocurrency_exchange)" }, { "year": 2023, "type": "enforcement", "summary": "The New York Attorney General sued on Oct. 19, 2023 over Gemini Earn, citing more than 230,000 affected investors.", "source": "https://en.wikipedia.org/wiki/Gemini_(cryptocurrency_exchange)" }, { "year": 2025, "type": "settlement", "summary": "Paid $5 million in January 2025 to settle a CFTC case over misleading statements about its bitcoin auction.", "source": "https://en.wikipedia.org/wiki/Gemini_(cryptocurrency_exchange)" }, { "year": 2026, "type": "other", "summary": "An identity-fraud event hit the credit card portfolio in Q1 2026; Gemini booked a $4.1 million fraud reserve.", "source": "https://investors.gemini.com/news-releases/news-release-details/gemini-reports-second-quarter-2026-results" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "110K", "ios_ratings_n": 109852, "ios_url": "https://apps.apple.com/us/app/gemini-markets-trade-it-all/id1408914447", "ios_app_name": "Gemini Markets: Trade It All" }, "support_channels": [ "Contact form", "Help center" ], "dex": null, "derivatives": null, "best_for": "New York residents", "summary": "Gemini is a Nasdaq-listed (GEMI) exchange built on a New York trust company and available in all 50 states. It lists 90+ cryptocurrencies plus staking, a credit card, commission-free stocks (since July 2026) and CFTC-regulated prediction markets. ActiveTrader starts at 0.60% maker and 1.20% taker under $10,000 in 30-day volume. Gemini wound down its UK, EU and Australian operations in 2026.", "pros": [ "Available in all 50 states under a New York trust charter", "SOC 1 Type 2, SOC 2 Type 2 and ISO 27001 certifications", "Free ACH and wire deposits; free ACH withdrawals" ], "cons": [ "ActiveTrader entry tier costs 0.60% maker, 1.20% taker", "About 90 cryptocurrencies, fewer than larger exchanges", "Paid a $37 million NYDFS fine over its Earn program" ], "sources": [ "https://www.gemini.com/fees/activetrader-fee-schedule", "https://www.gemini.com/fees/gemini-fee-schedule", "https://www.gemini.com/fees/transfer-fee-schedule", "https://www.gemini.com/fees/gemini-stocks", "https://www.gemini.com/fees/predictions", "https://www.gemini.com/fees/mobile-fee-schedule", "https://www.gemini.com/areas-of-availability", "https://www.gemini.com/", "https://www.gemini.com/trust-center", "https://www.gemini.com/security", "https://www.gemini.com/staking", "https://www.gemini.com/margin-trading", "https://www.gemini.com/perpetuals", "https://investors.gemini.com/news-releases/news-release-details/gemini-reports-second-quarter-2026-results", "https://investors.gemini.com/", "https://en.wikipedia.org/wiki/Gemini_(cryptocurrency_exchange)", "https://apps.apple.com/us/app/gemini-buy-bitcoin-crypto/id1408914447", "https://support.gemini.com/hc/en-us", "https://apps.apple.com/us/app/gemini-markets-trade-it-all/id1408914447" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 7.2, "pillars": { "access": 10, "regulation": 7.5, "security": 5, "cost": 2.8, "range": 9.2, "popularity": 7.6, "data_quality": 10 }, "cost_basis": "taker_fee" }, "slug": "gemini", "rank": 7, "category_rank": 4 }, { "id": "paypal", "name": "PayPal", "category": "broker_app", "website": "https://www.paypal.com/us/digital-wallet/manage-money/crypto", "operator_us": "PayPal Digital, Inc. (crypto services since May 19, 2026); PayPal, Inc. (payments)", "parent_company": "PayPal Holdings, Inc. (NASDAQ: PYPL)", "founded_year": 1998, "hq": "San Jose, CA, USA", "us_status": "available", "us_status_note": "US PayPal customers can buy, sell, hold and transfer crypto; under terms last updated May 19, 2026 the service is provided by PayPal Digital, Inc., a New York limited purpose trust company.", "us_status_source": "https://www.paypal.com/us/legalhub/paypal/cryptocurrencies-tnc", "states_not_served": null, "states_note": "Crypto FAQ says customers in the US and US territories can transact in crypto; no excluded state is named (the former Hawaii exclusion no longer appears).", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "2610315", "ny_license": "Both", "state_licenses_note": "NYDFS lists PayPal Digital, Inc. (limited purpose trust charter) and PayPal, Inc. (virtual currency and money transmitter licenses). PayPal, Inc. is a licensed money transmitter (NMLS ID 910457).", "cftc_nfa": null, "sec_finra": null, "bank_charter": "New York limited purpose trust company (PayPal Digital, Inc.)", "public_company": "NASDAQ: PYPL", "other": "Custody, trading and transfer services are performed by Paxos Trust Company, N.A., which also issues and custodies PYUSD." }, "assets": { "crypto_count_us": 7, "crypto_count_note": "BTC, ETH, LTC, BCH, SOL, LINK and PYUSD, as named in the crypto terms updated May 19, 2026; the terms say the in-app list is authoritative.", "stablecoins_note": "PYUSD (PayPal USD, issued by Paxos) has no buy or sell fee; PayPal advertises a 4% annual rewards rate on PYUSD balances, subject to change." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "2.20% for $1.00-$74.99, 2.00% for $75-$200, 1.80% for $200.01-$1,000 and 1.50% above $1,000, plus a spread included in the exchange rate; no fee for PYUSD", "trading_fee_note": "Fee page last updated May 19, 2026; the tiers apply to buying and selling.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee, paid in the crypto sent; no fee to receive crypto", "other_fees": "One-step purchase and transfer to an external wallet: the transaction fee plus 1% of the USD value (1.5% for PYUSD)", "fees_url": "https://www.paypal.com/us/digital-wallet/paypal-consumer-fees" }, "min_deposit_usd": 1, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": true }, "products_note": "Crypto (BTC, ETH, LTC, BCH, PYUSD) can be sold at checkout to pay merchants. The earn_yield flag refers to the PYUSD rewards rate; no staking is described on the crypto page.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2023, "type": "other", "summary": "The SEC opened an investigation in 2023 relating to the PYUSD stablecoin issued with Paxos, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/PayPal" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": false, "ios_rating": 4.8, "ios_ratings_count": "6.3M", "ios_ratings_n": 6298692, "ios_url": "https://apps.apple.com/us/app/paypal-pay-send-save/id283646709", "ios_app_name": "PayPal - Pay, Send, Save" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Existing PayPal users", "summary": "PayPal lets US account holders buy, sell, hold and transfer Bitcoin, Ether, Litecoin, Bitcoin Cash, Solana, Chainlink and its PYUSD stablecoin. Since May 19, 2026 the service is provided by PayPal Digital, Inc., a New York limited purpose trust company, with custody and trading performed by Paxos Trust Company, N.A. Fees run from 2.20% to 1.50% by order size, plus a spread.", "pros": [ "Transfers to external wallets are supported", "No fee to buy or sell PYUSD", "Provider is a New York-chartered limited purpose trust company" ], "cons": [ "Fees of 1.50% to 2.20% plus a spread", "Small selection: seven assets named in the terms", "One-step transfers to external wallets cost an extra 1%" ], "sources": [ "https://www.paypal.com/us/digital-wallet/manage-money/crypto", "https://www.paypal.com/us/digital-wallet/paypal-consumer-fees", "https://www.paypal.com/us/legalhub/paypal/cryptocurrencies-tnc", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://help.venmo.com/cs/articles/cryptocurrency-faq-vhel141", "https://en.wikipedia.org/wiki/PayPal", "https://www.paypal.com/us/cshelp/article/paypal-cryptocurrency-faqs-help565", "https://apps.apple.com/us/app/paypal-pay-send-save/id283646709" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 7.2, "pillars": { "access": 9, "regulation": 6.5, "security": 5.7, "cost": 5, "range": 5, "popularity": 10, "data_quality": 10 }, "cost_basis": "default" }, "slug": "paypal", "rank": 8, "category_rank": 4 }, { "id": "moomoo", "name": "moomoo", "category": "broker_app", "website": "https://www.moomoo.com/us", "operator_us": "Moomoo Crypto Inc. (crypto); Moomoo Financial Inc. (securities broker-dealer); app by Moomoo Technologies Inc.", "parent_company": "Futu Holdings Limited (NASDAQ: FUTU)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Moomoo Crypto Inc. offers more than 50 cryptocurrencies to US residents in supported states; on May 22, 2026 it added Texas and launched direct crypto deposits and withdrawals. New York is not supported.", "us_status_source": "https://www.globenewswire.com/news-release/2026/05/22/3300132/0/en/Moomoo-Expands-Crypto-Trading-to-Texas-and-Launches-Direct-Crypto-Transfers-Advancing-Unified-Multi-Asset-Investing.html", "states_not_served": [ "AK", "NY", "VA" ], "states_note": "Moomoo Crypto Inc. licenses list (updated Jun 19, 2026): not approved in Alaska, New York and Virginia; approved in DC, Puerto Rico, US Virgin Islands and other territories.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2287314", "ny_license": "None", "state_licenses_note": "Moomoo Crypto Inc. operates under NMLS ID 2287314 and FinCEN MSB registration 31000288349013; its press release says the service is not available in all states.", "cftc_nfa": null, "sec_finra": "Moomoo Financial Inc. - broker-dealer, member FINRA/SIPC (securities only)", "bank_charter": null, "public_company": "NASDAQ: FUTU (parent Futu Holdings)", "other": "The May 2025 launch release said the service uses Coinbase's Crypto-as-a-Service infrastructure." }, "assets": { "crypto_count_us": 50, "crypto_count_note": "'More than 50 cryptocurrencies in the U.S.' per the May 22, 2026 press release (52 in Texas).", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.49% transaction fee per trade, paid to Moomoo Crypto Inc.; $0 commission", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "No fee to move USD between Moomoo Crypto and moomoo brokerage accounts, per the official new-user guide", "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://invest.us.moomoo.com/crypto" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Transfer from moomoo brokerage account", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": true, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto is held in a separate Moomoo Crypto Inc. account next to a Moomoo Financial Inc. brokerage account; the options and stocks flags refer to the broker-dealer's products.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto held with Moomoo Crypto Inc. is not FDIC insured or SIPC protected; moomoo says funds are held with licensed custodians, which it does not name.", "incidents": [] }, "apps": { "web": null, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "37K", "ios_ratings_n": 37443, "ios_url": "https://apps.apple.com/us/app/moomoo-investing-trading/id1440255819", "ios_app_name": "moomoo: Investing & Trading" }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Stock traders adding crypto", "summary": "moomoo is a stock and options trading app whose US crypto service is run by Moomoo Crypto Inc. (NMLS 2287314), a FinCEN-registered money services business in the Nasdaq-listed Futu Holdings group. It lists more than 50 cryptocurrencies with a 0.49% transaction fee and no commission. Direct crypto deposits and withdrawals launched in May 2026. New York residents are not eligible.", "pros": [ "0.49% transaction fee with no commission", "More than 50 cryptocurrencies, per May 2026 press release", "Direct crypto deposits and withdrawals added in May 2026" ], "cons": [ "Not available in New York and some other states", "Custodians are not named publicly", "Crypto assets are not FDIC insured or SIPC protected" ], "sources": [ "https://www.globenewswire.com/news-release/2026/05/22/3300132/0/en/Moomoo-Expands-Crypto-Trading-to-Texas-and-Launches-Direct-Crypto-Transfers-Advancing-Unified-Multi-Asset-Investing.html", "https://invest.us.moomoo.com/crypto", "https://www.moomoo.com/us/learn/new-user-guide-start-trading-crypto-on-moomoo-us-in-as-little-as-5-minutes", "https://www.nasdaq.com/articles/moomoo-expands-cryptocurrency-trading-launch-moomoo-crypto-us-users", "https://www.tradingview.com/news/financemagnates:7f6c4cdde094b:0-moomoo-expands-texas-crypto-offering-with-wallet-deposit-and-withdrawal-for-retail-investors/", "https://www.connectmoney.com/stories/moomoo-expands-crypto-trading-to-texas-adds-direct-wallet-transfers/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://static.moomoo.com/upload/mci/Moomoo%20Crypto%20Inc.%20-%20Jurisdictional%20Disclosures_06192026-46ed96a318749c8a9bf2e188bed7d215.pdf", "https://www.moomoo.com/us/support/topic4_710", "https://apps.apple.com/us/app/moomoo-investing-trading/id1440255819" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 7, "pillars": { "access": 9.8, "regulation": 6, "security": 7, "cost": 5, "range": 7.5, "popularity": 6.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "moomoo", "rank": 9, "category_rank": 5 }, { "id": "venmo", "name": "Venmo", "category": "broker_app", "website": "https://venmo.com/crypto/", "operator_us": "PayPal Digital, Inc., doing business as Venmo Digital (crypto services since May 19, 2026)", "parent_company": "PayPal Holdings, Inc. (NASDAQ: PYPL)", "founded_year": 2009, "hq": null, "us_status": "available", "us_status_note": "US Venmo customers can buy, sell, hold and transfer six cryptocurrencies plus PYUSD; from May 19, 2026 crypto services are provided by PayPal Digital, Inc., doing business as Venmo Digital.", "us_status_source": "https://help.venmo.com/cs/articles/cryptocurrency-faq-vhel141", "states_not_served": null, "states_note": "Venmo says crypto is 'only available in the US and limited in certain states' without naming them on the pages checked. A September 25, 2026 FinanceFeeds article reports Hawaii as the only excluded state; this was not confirmed on Venmo's own pages.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "2610315", "ny_license": "Both", "state_licenses_note": "Venmo Digital (PayPal Digital, Inc.) is chartered by NYDFS as a limited purpose trust company; NYDFS also lists PayPal, Inc. with virtual currency and money transmitter licenses.", "cftc_nfa": null, "sec_finra": null, "bank_charter": "New York limited purpose trust company (PayPal Digital, Inc.)", "public_company": "NASDAQ: PYPL (parent PayPal Holdings)", "other": "All custody of and trading in cryptocurrency is performed by Paxos Trust Company, N.A." }, "assets": { "crypto_count_us": 7, "crypto_count_note": "Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Solana and Chainlink plus PYUSD, per the Venmo cryptocurrency FAQ (Oct 2026).", "stablecoins_note": "PYUSD (PayPal USD) has no buy or sell fee on Venmo." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "2.20% for $1.00-$74.99, 2.00% for $75-$200, 1.80% for $200.01-$1,000 and 1.50% above $1,000; no fee for PYUSD", "trading_fee_note": "The tiers apply to buying and selling. Venmo's fee page does not describe the spread.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Standard bank transfer free; Instant Transfer 1.75% (minimum $0.25, maximum $25)", "crypto_withdrawal": "Network fee, paid in the crypto sent; $0 to other Venmo or PayPal accounts", "other_fees": "0% crypto transaction fee when auto-purchasing with Venmo Credit Card cash back", "fees_url": "https://venmo.com/resources/our-fees/" }, "min_deposit_usd": 1, "funding_methods": [ "Venmo balance", "Venmo Credit Card cash back (auto-purchase)", "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": true }, "products_note": "Purchases are limited to $20,000 per week and $50,000 per 12 months; crypto transfers to $25,000 per week. Price alerts are available. Venmo sends a yearly transaction history and gains and losses statement.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2021, "type": "other", "summary": "The CFPB opened an investigation in 2021 into Venmo's unauthorized funds transfers and collections processes, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/Venmo" } ] }, "apps": { "web": null, "ios": true, "android": true, "desktop": false, "ios_rating": 4.9, "ios_ratings_count": "15M", "ios_ratings_n": 15471809, "ios_url": "https://apps.apple.com/us/app/venmo/id351727428", "ios_app_name": "Venmo" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Existing Venmo users", "summary": "Venmo, owned by PayPal, lets US customers buy, sell, hold and transfer Bitcoin, Ether, Litecoin, Bitcoin Cash, Solana, Chainlink and PYUSD inside its payments app. Crypto services are provided by PayPal Digital, Inc., doing business as Venmo Digital, with custody and trading by Paxos Trust Company, N.A. Fees range from 2.20% to 1.50% by order size, and purchases are capped at $20,000 per week.", "pros": [ "Free crypto transfers to other Venmo and PayPal accounts", "External wallet transfers supported for a network fee", "No fee to buy or sell PYUSD" ], "cons": [ "Fees of 1.50% to 2.20% on most trades", "Purchase caps: $20,000 weekly, $50,000 per 12 months", "Small selection: six cryptocurrencies plus PYUSD" ], "sources": [ "https://venmo.com/crypto/", "https://help.venmo.com/cs/articles/cryptocurrency-faq-vhel141", "https://venmo.com/resources/our-fees/", "https://www.paypal.com/us/legalhub/paypal/cryptocurrencies-tnc", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://financefeeds.com/venmo-crypto-not-available-in-your-region/", "https://en.wikipedia.org/wiki/Venmo", "https://apps.apple.com/us/app/venmo/id351727428" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 7, "pillars": { "access": 9, "regulation": 6.5, "security": 5.7, "cost": 5, "range": 4.8, "popularity": 10, "data_quality": 7 }, "cost_basis": "default" }, "slug": "venmo", "rank": 10, "category_rank": 6 }, { "id": "sofi", "name": "SoFi", "category": "broker_app", "website": "https://www.sofi.com/crypto/", "operator_us": "SoFi Bank, N.A.", "parent_company": "SoFi Technologies, Inc. (NASDAQ: SOFI)", "founded_year": 2011, "hq": "San Francisco, CA, USA", "us_status": "available", "us_status_note": "SoFi Bank, N.A. launched SoFi Crypto on November 11, 2025; its Crypto Account Agreement (effective May 27, 2026) accepts residents of all 50 states and DC.", "us_status_source": "https://www.sofi.com/newsroom/sofi-bank-becomes-the-first-and-only-nationally-chartered-bank-to-launch-crypto-trading-for-consumers/", "states_not_served": [], "states_note": null, "ny_available": true, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "None", "state_licenses_note": "Operates under SoFi Bank's national bank charter rather than state money transmitter licenses; NYDFS notes that SoFi Digital Assets surrendered its New York licenses on March 25, 2024.", "cftc_nfa": null, "sec_finra": null, "bank_charter": "OCC national bank (SoFi Bank, N.A.)", "public_company": "NASDAQ: SOFI", "other": "SoFi Bank issues the SoFiUSD (SOFID) dollar stablecoin; its terms are effective June 22, 2026." }, "assets": { "crypto_count_us": 25, "crypto_count_note": "'25+ cryptos like Bitcoin, Ethereum, and Solana' per sofi.com/crypto (Oct 2026)", "stablecoins_note": "SoFi Bank issues its own stablecoin, SoFiUSD (SOFID), which is not a deposit and is not FDIC or SIPC insured; other stablecoin listings were not verified." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1.90% per buy or sell on monthly volume up to $1,000, falling to 0.90% above $10,000; price slippage tolerance typically up to 0.10%", "trading_fee_note": "Monthly crypto volume tiers: $0-$1k 1.90%, $1k-$5k 1.50%, $5k-$10k 1.25%, $10k+ 0.90% (fee sheet effective June 22, 2026).", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Not available as of the June 22, 2026 fee sheet (a fee will be disclosed if outbound transfers launch); inbound crypto transfers are free", "other_fees": "No account setup, maintenance, custody, inactivity or dormancy fees", "fees_url": "https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Crypto-Fee-Sheet-6.22.26.pdf" }, "min_deposit_usd": null, "funding_methods": [ "SoFi Checking and Savings balance", "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Buys draw directly from SoFi Checking or Savings. Inbound crypto transfers are supported for some assets (XRP deposits were added in April 2026). Outbound transfers were not available under the May 27, 2026 agreement: customers sell to the stablecoin and redeem to a SoFi account. SoFi's support site says it is working to add assets.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto and the SoFiUSD stablecoin are not FDIC or SIPC insured; SoFi Bank holds private keys itself in offline and online storage using shared omnibus addresses, per its account agreement.", "incidents": [ { "year": 2024, "type": "other", "summary": "SoFi Digital Assets voluntarily surrendered its New York virtual currency licenses on March 25, 2024, according to NYDFS; SoFi relaunched crypto through its national bank in November 2025.", "source": "https://www.dfs.ny.gov/virtual_currency_businesses" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "385K", "ios_ratings_n": 385421, "ios_url": "https://apps.apple.com/us/app/sofi-bank-invest-crypto/id1191985736", "ios_app_name": "SoFi: Bank, Invest & Crypto" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "SoFi banking customers", "summary": "SoFi Crypto is offered by SoFi Bank, N.A., an OCC-regulated national bank, and launched on November 11, 2025 with 25+ coins for residents of all 50 states and DC. Trades cost 1.90% at the lowest monthly-volume tier and 0.90% above $10,000. Purchases draw from SoFi Checking or Savings. Crypto can be deposited, but withdrawals to external wallets were not available as of June 2026.", "pros": [ "Offered directly by an OCC-regulated national bank", "Buys funded instantly from SoFi Checking or Savings balances", "No account, custody or inactivity fees; inbound transfers are free" ], "cons": [ "1.90% trading fee on monthly volume under $1,000", "No crypto withdrawals to external wallets as of June 2026", "Crypto and SoFiUSD balances are not FDIC or SIPC insured" ], "sources": [ "https://www.sofi.com/crypto/", "https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Crypto-Fee-Sheet-6.22.26.pdf", "https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Crypto-Account-Agreement.pdf", "https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SOFID-Terms-of-Use-6.22.26.pdf", "https://support.sofi.com/hc/en-us/articles/41382707894669-Am-I-able-to-withdraw-my-crypto-to-an-external-wallet", "https://www.sofi.com/newsroom/sofi-bank-becomes-the-first-and-only-nationally-chartered-bank-to-launch-crypto-trading-for-consumers/", "https://www.sofi.com/newsroom/sofi-launches-big-business-banking-to-power-fiat-and-crypto-banking-on-a-single-regulated-platform/", "https://www.theblock.co/news/business/2026-04-21-sofi-xrp-deposits-users-criticize-lack-external-transfers-398348", "https://www.finder.com/cryptocurrency/sofi-cryptocurrency-review", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/sofi-bank-invest-crypto/id1191985736" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.8, "pillars": { "access": 10, "regulation": 3.5, "security": 6.7, "cost": 5, "range": 6.5, "popularity": 8.7, "data_quality": 7 }, "cost_basis": "default" }, "slug": "sofi", "rank": 11, "category_rank": 7 }, { "id": "bitflyer-usa", "name": "bitFlyer USA", "category": "cex", "website": "https://bitflyer.com/en-us/", "operator_us": "bitFlyer USA, Inc.", "parent_company": "bitFlyer Group (Tokyo, Japan; private)", "founded_year": 2014, "hq": "Tokyo, Japan (bitFlyer Group); US office location not verified", "us_status": "available", "us_status_note": "Serves 49 states plus DC after launching in West Virginia on July 6, 2026; Nevada is the only state absent from its official state list.", "us_status_source": "https://bitflyer.com/en-us/states", "states_not_served": [ "NV" ], "states_note": "Official state list shows license applications still pending in Colorado, Indiana, Maryland and Massachusetts (money transmitter) and Louisiana (virtual currency business).", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1528491", "ny_license": "BitLicense", "state_licenses_note": "NY virtual currency license no. 122474; money transmitter licenses in most other states (West Virginia license issued February 2026)", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "FinCEN MSB registration no. 31000245897927" }, "assets": { "crypto_count_us": 9, "crypto_count_note": "Count inferred from the official US fee schedule, which lists withdrawal fees for 9 assets (BTC, ETH, LTC, BCH, ETC, XLM, XTZ, DOT, BAT), Oct 2026", "stablecoins_note": "No stablecoins appear in the official US fee schedule" }, "fees": { "spot_maker_pct": 0.1, "spot_taker_pct": 0.1, "simple_buy_fee": "No commission on Buy/Sell; cost is a spread of 0.1% to 6.0%", "trading_fee_note": "Lightning fee falls with 30-day volume from 0.10% (under $50K) to 0.03% ($500M+); fees negotiable for high volume", "ach_deposit": "Free", "wire_deposit": "Free (Fedwire)", "card_purchase": null, "usd_withdrawal": "Wire (Fedwire) $20", "crypto_withdrawal": "Flat per-asset fee, e.g. 0.0004 BTC, 0.005 ETH; XLM free", "other_fees": null, "fees_url": "https://bitflyer.com/en-us/commission" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "US offering is spot only: a simple Buy/Sell screen and the Lightning order book (BTC/USD and ETH/USD plus ETH/BTC and BTC/JPY pairs in the fee schedule).", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2023, "type": "enforcement", "summary": "NYDFS fined bitFlyer $1.2 million in May 2023 for failing to meet state cybersecurity requirements (per Wikipedia; regulator release not retrieved).", "source": "https://en.wikipedia.org/wiki/BitFlyer" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.3, "ios_ratings_count": "279", "ios_ratings_n": 279, "ios_url": "https://apps.apple.com/us/app/bitflyer-trade-crypto/id1164758997", "ios_app_name": "bitFlyer: Trade Crypto" }, "support_channels": [ "FAQ / help center" ], "dex": null, "derivatives": null, "best_for": "Low-fee BTC/ETH spot trading", "summary": "bitFlyer USA is the US arm of Tokyo-based bitFlyer Group and has operated since November 2017. It holds a New York BitLicense and, after adding West Virginia in July 2026, serves 49 states plus DC. The Lightning order book charges 0.10% at the lowest volume tier, while simple Buy/Sell carries no commission but a 0.1%–6.0% spread. The asset list is short.", "pros": [ "New York BitLicense; serves 49 states plus DC", "Lightning order-book fee starts at 0.10%", "Free ACH and wire deposits" ], "cons": [ "Only nine cryptocurrencies appear in the fee schedule", "Buy/Sell spread ranges from 0.1% to 6.0%", "Not available in Nevada" ], "sources": [ "https://bitflyer.com/en-us/", "https://bitflyer.com/en-us/states", "https://bitflyer.com/en-us/commission", "https://bitflyer.com/en-us/faq/11-12", "https://www.aol.com/articles/bitflyer-usa-launches-crypto-asset-183100000.html", "https://www.financemagnates.com/cryptocurrency/exchange/bitflyer-usa-expands-to-west-virginia-nears-full-us-coverage/", "https://apps.apple.com/us/app/-/id1164758997", "https://en.wikipedia.org/wiki/BitFlyer", "https://apps.apple.com/us/app/bitflyer-trade-crypto/id1164758997" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.8, "pillars": { "access": 9.9, "regulation": 6, "security": 5.3, "cost": 9.4, "range": 5.3, "popularity": 2.4, "data_quality": 10 }, "cost_basis": "taker_fee" }, "slug": "bitflyer-usa", "rank": 12, "category_rank": 5 }, { "id": "moonpay", "name": "MoonPay", "category": "onramp_swap", "website": "https://www.moonpay.com", "operator_us": "MoonPay USA LLC", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "MoonPay USA LLC serves US users under a FinCEN MSB registration, a NYDFS virtual currency license and state money transmitter licenses (licenses page read Oct 2026); the list of unsupported states was not obtained.", "us_status_source": "https://www.moonpay.com/legal/licenses", "states_not_served": [], "states_note": "US Virgin Islands not served. Developer FAQ says selling is unavailable in Louisiana, Texas and New York; NY sells use fixed quotes per US terms", "ny_available": true, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "2071245", "ny_license": "BitLicense", "state_licenses_note": "Money transmitter licenses in 26 listed jurisdictions (incl. TX, FL, IL, WA, DC, Guam); FinCEN MSB registration no. 31000301673327", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 36, "crypto_count_note": "36 distinct assets flagged as supported in the US in MoonPay's public currency list (65 asset/network entries), Oct 5, 2026; bridged USDC/USDT versions counted once", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Fee up to 4.5% (minimum up to $3.99) plus network fee; spread included in price", "trading_fee_note": "Buys and sells paid from MoonPay Balance carry no MoonPay fee; Cash App Pay adds 2.9% + $0.30", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.moonpay.com/legal/pricing_disclosure" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "10K", "ios_ratings_n": 10086, "ios_url": "https://apps.apple.com/us/app/moonpay-buy-crypto-bitcoin/id1635031432", "ios_app_name": "MoonPay: Buy Crypto & Bitcoin" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Licensed card on-ramp", "summary": "MoonPay is a fiat-to-crypto on-ramp whose US entity, MoonPay USA LLC, is registered with FinCEN as a money services business (NMLS ID 2071245). Its licenses page lists a New York virtual currency license and money transmitter licenses in 26 jurisdictions, including Texas, Florida and Illinois. Fees and the list of unsupported states were not verified for this dataset.", "pros": [ "New York virtual currency license listed on licenses page", "FinCEN MSB registration, NMLS ID 2071245", "Money transmitter licenses in 26 listed jurisdictions" ], "cons": [ "Fee schedule not verified for this dataset", "Unsupported-state list not verified" ], "sources": [ "https://www.moonpay.com/legal/licenses", "https://www.moonpay.com/legal/terms_of_use_usa", "https://support.moonpay.com/", "https://www.moonpay.com/legal/pricing_disclosure", "https://api.moonpay.com/v3/countries", "https://dev.moonpay.com/widget/faqs", "https://api.moonpay.com/v3/currencies", "https://apps.apple.com/us/app/moonpay-buy-crypto-bitcoin/id1635031432" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.7, "pillars": { "access": 10, "regulation": 6, "security": 6, "cost": 5, "range": 6.7, "popularity": 5.5, "data_quality": 7 }, "cost_basis": "default" }, "slug": "moonpay", "rank": 13, "category_rank": 1 }, { "id": "fidelity-crypto", "name": "Fidelity Crypto", "category": "broker_app", "website": "https://www.fidelity.com/crypto/overview", "operator_us": "Fidelity Digital Assets, National Association", "parent_company": "FMR LLC (Fidelity Investments)", "founded_year": 1946, "hq": "Boston, MA, USA", "us_status": "available", "us_status_note": "Fidelity's 2026 learning-center update says Fidelity Crypto is available in all 50 states; accounts are provided by Fidelity Digital Assets, National Association, a national trust bank.", "us_status_source": "https://www.fidelity.com/learning-center/trading-investing/crypto/ccl-whats-new-fidelity-crypto-2026", "states_not_served": [], "states_note": "Fidelity says the taxable Fidelity Crypto account is available in all 50 states (DC was not separately confirmed); Fidelity Crypto for IRAs is not available in California or Oregon.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "None", "state_licenses_note": "Operates under a national trust bank charter; no Fidelity entity appears on the NYDFS virtual currency regulated-entities list as fetched on October 5, 2026.", "cftc_nfa": null, "sec_finra": null, "bank_charter": "OCC national trust bank (Fidelity Digital Assets, National Association)", "public_company": null, "other": "Fidelity Digital Assets launched the Fidelity Digital Dollar (FIDD) stablecoin in February 2026." }, "assets": { "crypto_count_us": 5, "crypto_count_note": "BTC, ETH, LTC, SOL and the Fidelity Digital Dollar (FIDD) stablecoin per the Fidelity Crypto account page (Oct 2026); Crypto IRAs list four (no FIDD).", "stablecoins_note": "Only Fidelity's own FIDD stablecoin is listed; USDC and USDT are not among the five assets." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% trading fee on each crypto buy and sell; no separate commission", "trading_fee_note": "No fees to open or maintain an account or for custody (stated on the Crypto IRA page); no volume tiers published.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Blockchain transfers carry fees (amount not verified); Fidelity-to-Fidelity transfers are free", "other_fees": null, "fees_url": "https://www.fidelity.com/investing/crypto/crypto-ira" }, "min_deposit_usd": null, "funding_methods": [ "Transfer from linked Fidelity account", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto IRAs (Roth, Traditional, Rollover) launched in April 2025 and are not available in California or Oregon. Crypto can be transferred in and out, and sent free between Fidelity customers. Sellers can choose specific tax lots. Solana was added in October 2025. Stocks, ETFs and spot crypto ETPs trade in the separate Fidelity brokerage account.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto is not insured by the FDIC, SIPC or any other government agency; Fidelity says assets are held in cold-vaulted storage and monitored 24/7.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "3.3M", "ios_ratings_n": 3339051, "ios_url": "https://apps.apple.com/us/app/fidelity-investments/id348177453", "ios_app_name": "Fidelity Investments" }, "support_channels": [ "Phone (24/7)", "Chat (Mon-Fri 8 a.m.-10 p.m. ET)", "Help center" ], "dex": null, "derivatives": null, "best_for": "Crypto IRAs, major coins", "summary": "Fidelity Crypto is provided by Fidelity Digital Assets, National Association, a national trust bank, and is available in all 50 states according to Fidelity. It lists five assets: Bitcoin, Ether, Litecoin, Solana and the FIDD stablecoin. Trades carry a 1% fee each way. Crypto can be transferred in and out, and Roth, Traditional and Rollover Crypto IRAs are offered outside California and Oregon.", "pros": [ "Custody and trading by a national trust bank", "Roth, Traditional and Rollover Crypto IRAs with no account fees", "Crypto transfers in and out; free Fidelity-to-Fidelity sends" ], "cons": [ "Only five assets: BTC, ETH, LTC, SOL and FIDD", "1% trading fee on every buy and sell", "Crypto IRAs are not available in California or Oregon" ], "sources": [ "https://www.fidelity.com/crypto/overview", "https://www.fidelity.com/investing/crypto/crypto-account", "https://www.fidelity.com/investing/crypto/crypto-ira", "https://www.fidelity.com/learning-center/trading-investing/crypto/ccl-whats-new-fidelity-crypto-2026", "https://www.fidelity.com/crypto/help/overview", "https://www.fidelity.com/crypto/help/deposits-withdrawals/overview", "https://www.fidelity.com/crypto/help/account-basics/overview", "https://koinly.io/blog/fidelity-crypto-review/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/fidelity-investments/id348177453" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.6, "pillars": { "access": 10, "regulation": 2.5, "security": 7, "cost": 5, "range": 4.5, "popularity": 10, "data_quality": 7 }, "cost_basis": "default" }, "slug": "fidelity-crypto", "rank": 14, "category_rank": 8 }, { "id": "cash-app", "name": "Cash App", "category": "bitcoin_only", "website": "https://cash.app/bitcoin", "operator_us": "Block, Inc. (operates in New York as Block of Delaware)", "parent_company": "Block, Inc. (NYSE: XYZ)", "founded_year": 2013, "hq": null, "us_status": "available", "us_status_note": "Cash App offers bitcoin buying, selling, on-chain withdrawals and Lightning payments to US customers; its fee table, checked on October 5, 2026, charges 0% on market orders of $2,000 or more and on auto buys.", "us_status_source": "https://cash.app/bitcoin", "states_not_served": null, "states_note": "Lightning Network is not available to New York residents. Block says bitcoin services are not a licensable activity in all US states and territories and lists no excluded states on the pages checked.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "BitLicense", "state_licenses_note": "NYDFS lists Block, Inc. (f/k/a Square, Inc.) with virtual currency and money transmitter licenses dated June 2018.", "cftc_nfa": null, "sec_finra": "Cash App Investing LLC - broker-dealer, member FINRA/SIPC (stocks)", "bank_charter": null, "public_company": "NYSE: XYZ", "other": null }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only (official bitcoin page, Oct 2026).", "stablecoins_note": "Cash App's bitcoin page also says stablecoins can be used to store money, make transfers and send international payments; those features were not reviewed." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Market buy or sell: 2.0% for $1-$499, 1.5% for $500-$999, 0.9% for $1,000-$1,999 and 0% for $2,000 or more; a spread of 0% to 0.75% may apply. Auto Invest, Round Ups and Paid in Bitcoin: 0% fee and no spread", "trading_fee_note": "Buys over $2,000 are also spread-free, per Cash App.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "No Cash App fee for standard-speed on-chain withdrawals (within 24 hours; minimum shown as ₿100,000, understood to mean 100,000 satoshis or 0.001 BTC) or for Lightning payments", "other_fees": null, "fees_url": "https://cash.app/bitcoin/fees" }, "min_deposit_usd": 1, "funding_methods": [ "Cash App balance", "Direct deposit (Paid in Bitcoin)", "Bitcoin (on-chain and Lightning)" ], "products": { "spot": true, "advanced_trading": null, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": true, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": true }, "products_note": "Bitcoin only. Lightning Network payments are supported except for New York residents, and bitcoin can be spent at select merchants. Cash App says it does not lend customer bitcoin or pay interest on it. Form 1099-B is provided for bitcoin sales.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Cash App states customer bitcoin is held 1:1 in full reserve, is never lent out and is mostly kept in cold storage.", "incidents": [ { "year": 2025, "type": "enforcement", "summary": "On January 16, 2025 the CFPB ordered Block to provide $120 million in refunds and redress and pay a $55 million penalty over Cash App fraud handling and security failures.", "source": "https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-operator-of-cash-app-to-pay-175-million-and-fix-its-failures-on-fraud/" }, { "year": 2025, "type": "settlement", "summary": "In January 2025 Block agreed to an $80 million settlement with 48 state financial regulators over Cash App's anti-money-laundering controls, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/Cash_App" }, { "year": 2024, "type": "settlement", "summary": "A $15 million class-action settlement in August 2024 covered Cash App data and security breaches from 2021 and 2023, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/Cash_App" }, { "year": 2023, "type": "outage", "summary": "A September 2023 outage disrupted peer-to-peer payments and Cash App Card purchases for thousands of users, per Wikipedia.", "source": "https://en.wikipedia.org/wiki/Cash_App" } ] }, "apps": { "web": null, "ios": true, "android": true, "desktop": false, "ios_rating": 4.8, "ios_ratings_count": "8.7M", "ios_ratings_n": 8737555, "ios_url": "https://apps.apple.com/us/app/cash-app/id711923939", "ios_app_name": "Cash App" }, "support_channels": [ "Phone (1-800-969-1940, daily 8AM-9:30PM ET)", "Help center" ], "dex": null, "derivatives": null, "best_for": "Recurring bitcoin buys", "summary": "Cash App, operated by Block, Inc. (NYSE: XYZ), offers bitcoin only: buying, selling, on-chain withdrawals and Lightning Network payments. Market orders cost 2.0% under $500, 1.5% up to $999, 0.9% up to $1,999 and 0% from $2,000; a spread of up to 0.75% may apply. Auto Invest, Round Ups and paycheck conversions carry no fee. Block holds New York virtual currency and money transmitter licenses.", "pros": [ "0% fee on bitcoin market orders of $2,000 or more", "No Cash App fee for standard on-chain or Lightning withdrawals", "Auto Invest, Round Ups and Paid in Bitcoin carry no fee" ], "cons": [ "2.0% fee on market orders under $500", "Lightning Network is not available to New York residents", "CFPB ordered $175 million in redress and penalties in 2025" ], "sources": [ "https://cash.app/bitcoin", "https://cash.app/bitcoin/fees", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://investors.block.xyz/overview/default.aspx", "https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-operator-of-cash-app-to-pay-175-million-and-fix-its-failures-on-fraud/", "https://en.wikipedia.org/wiki/Cash_App", "https://apps.apple.com/us/app/cash-app/id711923939" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.6, "pillars": { "access": 9, "regulation": 5, "security": 5, "cost": 5, "range": 2.6, "popularity": 10, "data_quality": 10 }, "cost_basis": "default" }, "slug": "cash-app", "rank": 15, "category_rank": 1 }, { "id": "m1-finance", "name": "M1 Finance", "category": "broker_app", "website": "https://m1.com/crypto/", "operator_us": "M1 Digital LLC and M1 Finance LLC (platform); crypto services, execution and custody by Bakkt Financial Solutions I, LLC", "parent_company": "M1 Holdings Inc.", "founded_year": 2015, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "M1 Crypto accounts remain available to clients with a funded M1 brokerage account, with 14 coins traded and custodied through Bakkt (help center updated May 28, 2026; fee schedule dated October 2026).", "us_status_source": "https://m1.com/crypto/", "states_not_served": null, "states_note": "New York residents see a limited list of coins. No other state restrictions appear on the pages checked.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "BitLicense", "state_licenses_note": "Crypto licenses are held by the provider, not M1: NYDFS lists Bakkt Financial Solutions I, LLC with virtual currency and money transmitter licenses dated March 2021.", "cftc_nfa": null, "sec_finra": "M1 Finance LLC - broker-dealer, member FINRA/SIPC; M1 Advisory Services, LLC - SEC-registered investment adviser", "bank_charter": null, "public_company": null, "other": "Banking products are provided through B2 Bank NA, Member FDIC." }, "assets": { "crypto_count_us": 14, "crypto_count_note": "BTC, ETH, SOL, ADA, DOT, AVAX, LINK, POL, LTC, BCH, XRP, HBAR, AAVE and SUI per the official crypto page (Oct 2026); New York residents see a shorter list.", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% (100 basis points) on purchases and sales, assessed by Bakkt and reflected in the execution price; M1 charges no commission", "trading_fee_note": "All orders are market orders, placed in M1 trade windows (about 9:30am and 3:00pm ET) or on demand; $1 minimum order per coin.", "ach_deposit": "Free", "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "ACH free; domestic wire $25", "crypto_withdrawal": "$150 per outgoing external wallet transfer, charged by Bakkt and requested from Bakkt directly", "other_fees": "The fee schedule lists a $3 monthly platform fee (waiver conditions apply) and a $100 outgoing account transfer fee.", "fees_url": "https://m1.com/legal/disclosures/miscellaneous-fees/" }, "min_deposit_usd": null, "funding_methods": [ "ACH (linked bank account)" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto sits in a separate account that can be opened after funding an M1 investment account. Crypto cannot be held in IRAs or deposited from external wallets.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto holdings are not FDIC or SIPC insured.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": false, "ios_rating": 4.7, "ios_ratings_count": "75K", "ios_ratings_n": 74958, "ios_url": "https://apps.apple.com/us/app/m1-invest-bank-smarter/id1071915644", "ios_app_name": "M1: Invest & Bank Smarter" }, "support_channels": [ "Help center", "Contact form" ], "dex": null, "derivatives": null, "best_for": "Existing M1 investors", "summary": "M1 is a Chicago-based investing app that offers a separate crypto account to clients with a funded M1 brokerage account. Fourteen coins are available, with a shorter list for New York residents. Trades are commission-free at M1, but Bakkt Financial Solutions I, LLC, which executes and custodies the crypto, applies a 1% fee in the execution price. Outgoing wallet transfers cost $150 each.", "pros": [ "Crypto account sits alongside M1 stock and ETF portfolios", "$1 minimum order per coin", "Free ACH funding from a linked bank account" ], "cons": [ "$150 fee for each outgoing external wallet transfer", "Crypto cannot be deposited from external wallets", "1% fee built into every buy and sell" ], "sources": [ "https://m1.com/crypto/", "https://help.m1.com/en/articles/9332168-crypto-faq", "https://help.m1.com/en/articles/9332166-how-m1-trades-crypto", "https://help.m1.com/en/articles/9332171-getting-started-with-crypto-investing-on-m1", "https://m1.com/legal/disclosures/miscellaneous-fees/", "https://m1.com/about/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://en.wikipedia.org/wiki/M1_Finance", "https://apps.apple.com/us/app/m1-invest-bank-smarter/id1071915644" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.6, "pillars": { "access": 9, "regulation": 4, "security": 7, "cost": 5, "range": 5.7, "popularity": 7.2, "data_quality": 10 }, "cost_basis": "default" }, "slug": "m1-finance", "rank": 16, "category_rank": 9 }, { "id": "webull", "name": "Webull", "category": "broker_app", "website": "https://www.webull.com/crypto", "operator_us": "Webull Pay LLC (Bakkt Crypto Solutions, LLC serves New York, Guam and Northern Mariana Islands residents)", "parent_company": "Webull Corporation (NASDAQ: BULL)", "founded_year": null, "hq": "St. Petersburg, FL, USA", "us_status": "available", "us_status_note": "Crypto trading returned to the main Webull app for US residents on August 25, 2025, offered by Webull Pay LLC; the site lists 70+ coins as of October 2026.", "us_status_source": "https://www.nasdaq.com/press-release/webull-launches-crypto-trading-us-2025-08-25", "states_not_served": null, "states_note": "No excluded states are named on official pages; Webull Pay's license page lists all 50 states and DC. New York, Guam and Northern Mariana Islands residents are served through Bakkt ($1 minimum order, direct ACH funding, no internal transfers from the brokerage account).", "ny_available": true, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": "1886762", "ny_license": "None", "state_licenses_note": "Webull Pay LLC is a licensed money transmitter (its license page lists all 50 states and DC). New York service runs through Bakkt (NMLS 1890144), which holds NYDFS virtual currency and money transmitter licenses (March 2021).", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "NASDAQ: BULL", "other": null }, "assets": { "crypto_count_us": 70, "crypto_count_note": "'70+ Coins' per webull.com/crypto (Oct 2026); the August 2025 launch release said 'over 50'.", "stablecoins_note": "The 1% spread does not apply to stablecoins; which stablecoins are listed was not verified." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% spread (100 basis points) on both buys and sells; no separate commission", "trading_fee_note": "Spread does not apply to stablecoins. Minimum order $2 ($1 in NY, Guam and Northern Mariana Islands); maximum $100,000 per trade and $200,000 in pending buy orders.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Not available (coin transfers are listed as temporarily unavailable)", "other_fees": "No custody fees", "fees_url": "https://www.webull.com/help/faq/11091-Fees-and-Limits" }, "min_deposit_usd": 1, "funding_methods": [ "ACH", "Wire", "Transfer from Webull brokerage account" ], "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto trades 24/7 except a daily 4:55-5:10 PM ET maintenance window (no window for NY, Guam and Northern Mariana Islands). Trading in the Webull app requires a linked Webull brokerage account. Coin transfers in or out are listed as temporarily unavailable. Staking and USDC rewards through Coinbase were announced in May 2025 but could not be confirmed as live.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto is not FDIC or SIPC insured; assets are held by Coinbase for most US customers and by Bakkt for New York, Guam and Northern Mariana Islands customers.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "342K", "ios_ratings_n": 341863, "ios_url": "https://apps.apple.com/us/app/webull-investing-trading/id1179213067", "ios_app_name": "Webull: Investing & Trading" }, "support_channels": [ "Phone", "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Existing Webull traders", "summary": "Webull returned crypto to its main US app on August 25, 2025 through Webull Pay LLC and lists 70+ coins. Pricing is a 1% spread on each buy and sell with no separate commission, and orders start at $2. Coinbase holds assets for most customers, while Bakkt serves New York residents. Coin transfers to or from external wallets are listed as temporarily unavailable.", "pros": [ "70+ coins in the same app as stocks and options", "Single 1% spread; no separate commission or custody fee", "New York residents are served through Bakkt" ], "cons": [ "Crypto cannot be moved to or from external wallets", "1% spread on each side; no published volume discounts", "In-app crypto requires a linked Webull brokerage account" ], "sources": [ "https://www.webull.com/crypto", "https://www.webull.com/trading-investing/crypto", "https://www.webull.com/help/faq/11091-Fees-and-Limits", "https://www.webull.com/help/faq/11094-Getting-Started-with-Crypto-Trading", "https://www.webull.com/help/faq/11085-Fund-Transfer", "https://www.webull.com/help/faq/11084-Account-Opening", "https://www.webullpay.com/protocol/webull-pay-licenses", "https://www.nasdaq.com/press-release/webull-launches-crypto-trading-us-2025-08-25", "https://www.sec.gov/Archives/edgar/data/1866364/000121390025064915/ea024904701ex99-1_webull.htm", "https://www.nasdaq.com/press-release/webull-reports-second-quarter-2026-financial-results-2026-08-19", "https://www.financemagnates.com/cryptocurrency/webull-pay-taps-coinbase-infrastructure-for-crypto-rewards-and-staking-services/", "https://www.stockbrokers.com/review/webull", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/webull-investing-trading/id1179213067" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.6, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 7.8, "popularity": 8.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "webull", "rank": 17, "category_rank": 10 }, { "id": "cex-io", "name": "CEX.IO", "category": "cex", "website": "https://cex.io", "operator_us": "CEX.IO Corp.", "parent_company": null, "founded_year": 2013, "hq": "Naperville, IL, USA (US entity, per 2024 press release)", "us_status": "available", "us_status_note": "CEX.IO Corp lists money transmitter licenses in 38 states plus DC, and its US terms (updated Sept 17, 2026) name New York as a restricted location.", "us_status_source": "https://cex.io/legal-security/us", "states_not_served": null, "states_note": "US terms (updated Sept 17, 2026) define New York as a Restricted Location; Louisiana and Tennessee licenses do not cover virtual currency transmission. Guam, Puerto Rico and USVI are unsupported territories.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1804170", "ny_license": "None", "state_licenses_note": "Money transmitter-type licenses in 38 states plus DC listed on the official US licenses page; New York, California and Hawaii are not listed", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "CEX.IO's own comparison page cites 325 cryptocurrencies on its spot market (global figure); a US-specific count was not found", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.15, "spot_taker_pct": 0.25, "simple_buy_fee": "Card purchases: 0.49%-4.99% card fee plus a service charge, depending on provider and conditions", "trading_fee_note": "Official comparison page: spot fee starts at 0.25% and falls to 0.10% above $20M in 30-day volume; 0.15% base maker fee rests on a secondary source", "ach_deposit": "Free (no CEX.IO fee)", "wire_deposit": null, "card_purchase": "0.49%–4.99% plus a service charge, depending on method", "usd_withdrawal": "ACH: no CEX.IO fee", "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://cex.io/fee-schedule" }, "min_deposit_usd": 20, "funding_methods": [ "ACH", "Debit card", "Credit card", "Apple Pay", "Google Pay", "PayPal", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "US accounts get Spot Trading and Instant Buy; CEX.IO Earn (savings and staking) and margin trading are closed to US customers, and CEX.IO Pay is unavailable in 11 states.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "PCI DSS (per CEX.IO)", "insurance_note": "US terms state accounts and digital assets are not FDIC or SIPC insured", "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.4, "ios_ratings_count": "13K", "ios_ratings_n": 12855, "ios_url": "https://apps.apple.com/us/app/cex-io-crypto-wallet-exchange/id1047225016", "ios_app_name": "CEX.IO: Crypto Wallet/Exchange" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Card and PayPal purchases", "summary": "CEX.IO serves US customers through CEX.IO Corp, a FinCEN-registered money services business that lists money transmitter licenses in 38 states plus DC. US users get spot trading and instant purchases funded by ACH, cards, Apple Pay, Google Pay or PayPal; ACH transfers carry no platform fee. Savings, staking and margin trading are not offered in the US, and New York is a restricted location.", "pros": [ "Money transmitter licenses in 38 states plus DC", "ACH transfers carry no CEX.IO fee", "Accepts cards, Apple Pay, Google Pay and PayPal" ], "cons": [ "New York is a restricted location", "No staking, savings or margin trading for US users", "Card deposits cost 0.49%–4.99% plus a service charge" ], "sources": [ "https://cex.io/legal-security/us", "https://cex.io/legal/terms", "https://cex.io/kraken-vs-gemini-vs-cex-io", "https://cex.io/fee-schedule", "https://support.cex.io/en/articles/5441769-payment-methods-at-cex-io", "https://support.cex.io/en/articles/13753401-how-to-use-ach-bank-transfers-on-cex-io", "https://support.cex.io/en/articles/5080354-cex-io-earn-savings-staking-supported-countries-and-territories", "https://support.cex.io/en/articles/9916731-margin-trading-not-supported-countries-and-territories", "https://support.cex.io/en/articles/11696841-cex-io-pay-availability-where-you-can-send-crypto-instantly-free", "https://support.cex.io/en/articles/4383397-getting-started", "https://finance.yahoo.com/news/cex-io-rebrands-exchange-plus-130000479.html", "https://tradingfinder.com/exchanges/cexio/", "https://cex.io/en-US/buy-bitcoins", "https://apps.apple.com/us/app/cex-io-crypto-wallet-exchange/id1047225016" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.6, "pillars": { "access": 8.5, "regulation": 4, "security": 8, "cost": 8.5, "range": 4.3, "popularity": 5.7, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "cex-io", "rank": 18, "category_rank": 6 }, { "id": "galaxyone", "name": "GalaxyOne", "category": "broker_app", "website": "https://www.galaxy.app", "operator_us": "GalaxyOne Prime LLC (FinCEN MSB, NMLS ID 1988685); crypto custody and trading services via Paxos Trust Company; securities custody at DriveWealth LLC", "parent_company": "Galaxy Digital Inc. (ticker GLXY)", "founded_year": 2025, "hq": "New York, NY, USA", "us_status": "available", "us_status_note": "GalaxyOne launched on October 6, 2025 for US users who pass identity checks; NYDFS lists GalaxyOne Prime NY LLC with virtual currency and money transmitter licenses dated May 2026.", "us_status_source": "https://www.galaxy.app/product/crypto", "states_not_served": null, "states_note": "SOL staking not available in CA, LA, MD, NV, NJ, NY, PA, TN, WA, WI. Crypto line of credit not available in CA, DE, ID, IN, MS, MO, NV, SD.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1988685", "ny_license": "BitLicense", "state_licenses_note": "GalaxyOne Prime LLC describes itself as a multi-state licensed money transmitter (FinCEN MSB registration 31000319084642); NYDFS lists GalaxyOne Prime NY LLC (May 2026). GalaxyOne Lending LLC holds NMLS ID 2741667.", "cftc_nfa": null, "sec_finra": "Brokerage through a FINRA/SIPC member broker-dealer, with securities custody at DriveWealth LLC (FINRA/SIPC)", "bank_charter": null, "public_company": "GLXY (parent Galaxy Digital Inc.)", "other": "Cash balances are held at Cross River Bank, Member FDIC. Digital assets are held in custodial wallets with Paxos Trust Company." }, "assets": { "crypto_count_us": 9, "crypto_count_note": "BTC, ETH, SOL, PAXG, DOGE, SUI, AVAX, BNB and XLM per the help center (checked Oct 5, 2026).", "stablecoins_note": "USDC can be deposited and withdrawn but not bought or held; USDC deposits convert automatically to USD in the Cash account." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.99% on every crypto trade, buy or sell; GalaxyOne says it adds no spread markup", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network or withdrawal fees may apply; amounts are not published on the pages checked", "other_fees": "0% platform commission on staking rewards through December 31, 2026", "fees_url": "https://help.galaxy.app/hc/en-us/articles/43878396136723-Is-there-a-fee-to-trade-crypto" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Direct deposit", "USDC deposit (auto-converted to USD)", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": true, "lending_borrowing": true, "recurring_buys": true, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "SOL staking (estimated up to 6.50%); Crypto Portfolio Line of Credit against BTC, ETH and SOL (8.99% APR advertised); 3.75% APY cash account; 8.00% Premium Yield for US accredited investors only, not FDIC insured; GalaxyOne for Business accounts.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Cash account balances are FDIC-insured through Cross River Bank; Premium Yield is not FDIC insured.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": false, "ios_rating": 4.5, "ios_ratings_count": "396", "ios_ratings_n": 396, "ios_url": "https://apps.apple.com/us/app/galaxyone-wealth-investing/id1645801201", "ios_app_name": "GalaxyOne: Wealth & Investing" }, "support_channels": [ "Live support (US-based team)", "Help center" ], "dex": null, "derivatives": null, "best_for": "Crypto, stocks and yield", "summary": "GalaxyOne is the retail app of Galaxy Digital, launched on October 6, 2025. It combines crypto trading in nine assets at a 0.99% fee, commission-free US stocks and ETFs, a 3.75% APY cash account and an 8.00% Premium Yield product for accredited investors. Crypto is held with Paxos Trust Company, and transfers to external wallets are supported. Staking is unavailable in 10 states.", "pros": [ "Crypto, stocks, ETFs and cash yield in one app", "Crypto deposits and withdrawals to external wallets supported", "New York virtual currency license granted in May 2026" ], "cons": [ "0.99% fee on every crypto trade", "Only nine tradable crypto assets", "Staking unavailable in 10 states, including New York and California" ], "sources": [ "https://www.galaxy.app/", "https://www.galaxy.app/product/crypto", "https://www.galaxy.app/insights/galaxyone-explained", "https://help.galaxy.app/hc/en-us/articles/43878396136723-Is-there-a-fee-to-trade-crypto", "https://help.galaxy.app/hc/en-us/articles/42465303732115-Which-cryptocurrencies-does-GalaxyOne-support", "https://help.galaxy.app/hc/en-us/articles/42439566915091-How-do-I-withdraw-crypto-from-my-GalaxyOne-account-to-another-wallet-or-exchange", "https://help.galaxy.app/hc/en-us/articles/4417771437971", "https://www.theblock.co/post/373468/galaxy-launches-galaxyone", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/galaxyone-wealth-investing/id1645801201", "https://investor.galaxy.com/", "https://help.galaxy.app/hc/en-us/articles/54431044315923-Which-states-is-the-Crypto-Line-of-Credit-available-in", "https://help.galaxy.app/hc/en-us/articles/50317699964819-Who-is-eligible-to-stake-Solana" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.5, "pillars": { "access": 9, "regulation": 8, "security": 7, "cost": 5, "range": 5.8, "popularity": 2.7, "data_quality": 7 }, "cost_basis": "default" }, "slug": "galaxyone", "rank": 19, "category_rank": 11 }, { "id": "blockchain-com", "name": "Blockchain.com", "category": "broker_app", "website": "https://www.blockchain.com", "operator_us": "Blockchain.com, Inc.", "parent_company": null, "founded_year": 2011, "hq": "London, UK; US headquarters in Dallas, TX (per Wikipedia)", "us_status": "available", "us_status_note": "Trading accounts are offered in all 50 states, but residents of HI, LA, NJ, NV, NY, NC, TN, TX and VA get a reduced version run through Bakkt Crypto Solutions (support article updated July 2026).", "us_status_source": "https://support.blockchain.com/hc/en-us/articles/10613027459868-HI-LA-NJ-NV-TN-NY-TX-NC-and-VA-Update-Upgrading-Your-Account-for-Enhanced-Crypto-Trading", "states_not_served": [], "states_note": "In HI, LA, NJ, NV, NY, NC, TN, TX and VA the account runs on Bakkt Crypto Solutions: BTC, ETH, ETC, LTC, BCH and DOGE only, ACH funding only ($10 minimum, $5,000 per transaction), no crypto deposits or withdrawals, mobile app only. Staking is unavailable in CA, MD, WI and eight of those states.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2024031", "ny_license": "None", "state_licenses_note": "Blockchain.com, Inc. lists money transmitter licenses in 33 states plus DC and Puerto Rico (page updated April 20, 2026); nine states including New York are served through Bakkt Crypto Solutions (NMLS 1828849 and 1890144)", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Confidentially filed for a US IPO in May 2026 (per Wikipedia and a Bloomberg headline); a September 2026 tokenized-stock venture with NYSE is pending regulatory approval" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Full US asset count not found; six coins only in the nine Bakkt-served states", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Spread built into the quoted price plus a buy fee that varies with order size and payment method; both shown before confirmation", "trading_fee_note": "No maker/taker schedule: the order-book Exchange closed in October 2025. Swaps inside the Trading Account carry no network fee", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://support.blockchain.com/hc/en-us/articles/360061672651-Wallet-Pricing" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Bank transfer", "Debit card", "Credit card", "Apple Pay", "Google Pay", "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": false, "margin": null, "staking": true, "earn_yield": false, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": false, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "US users get a custodial Trading Account (buy, sell, swap) and the self-custody DeFi Wallet with a DEX. Flexible Rewards and Active Rewards are closed to US residents; staking is unavailable in 11 states; US access to perps, tokenized stocks, prediction markets and crypto-backed loans was not confirmed.", "custody_model": "hybrid", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2022, "type": "other", "summary": "Blockchain.com was exposed to about $270 million of loans to Three Arrows Capital, which defaulted in 2022, and cut 25% of staff that July (per Wikipedia).", "source": "https://en.wikipedia.org/wiki/Blockchain.com" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "184K", "ios_ratings_n": 184211, "ios_url": "https://apps.apple.com/us/app/blockchain-com-trade-bitcoin/id493253309", "ios_app_name": "Blockchain.com: Trade Bitcoin" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Wallet plus simple brokerage", "summary": "Blockchain.com offers US users a custodial Trading Account for buying, selling and swapping crypto and a self-custody DeFi Wallet. It prices trades with a spread plus a buy fee shown before confirmation; its order-book Exchange closed in October 2025. Residents of nine states, including New York and Texas, get a Bakkt-powered version limited to six coins, ACH funding and no crypto transfers.", "pros": [ "Custodial trading account plus self-custody DeFi Wallet", "Funding by ACH, cards, Apple Pay and Google Pay", "Staking available in most US states" ], "cons": [ "Nine states get six coins and no crypto transfers", "Wallet Pricing page gives no fixed fee percentages", "Order-book Exchange closed in October 2025" ], "sources": [ "https://www.blockchain.com/legal/licenses", "https://www.blockchain.com/legal/terms", "https://support.blockchain.com/hc/en-us/articles/10613027459868-HI-LA-NJ-NV-TN-NY-TX-NC-and-VA-Update-Upgrading-Your-Account-for-Enhanced-Crypto-Trading", "https://support.blockchain.com/hc/en-us/articles/360018751932", "https://support.blockchain.com/hc/en-us/articles/4523154619412-What-countries-does-Blockchain-com-support-for-buying-and-selling-crypto", "https://support.blockchain.com/hc/en-us/articles/360061672651-Wallet-Pricing", "https://support.blockchain.com/hc/en-us/articles/360050550572-What-is-the-difference-between-DeFi-Wallet-and-Trading-Account", "https://support.blockchain.com/hc/en-us/articles/22422379791516-How-to-Migrate-Your-Funds-from-the-Exchange-to-Your-Wallet", "https://support.blockchain.com/hc/en-us/articles/5969130866460-Who-is-eligible-for-Staking-with-Blockchain-com", "https://support.blockchain.com/hc/en-us/articles/4417082961556-What-are-the-requirements-for-Flexible-Rewards-Accounts", "https://www.techflowpost.com/en-US/newsletter/54592", "https://en.cryptonomist.ch/2026/09/23/tokenized-us-stocks-trading/", "https://en.wikipedia.org/wiki/Blockchain.com", "https://apps.apple.com/us/app/blockchain-com-trade-bitcoin/id493253309" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.4, "pillars": { "access": 10, "regulation": 4, "security": 5.7, "cost": 5, "range": 4.5, "popularity": 8, "data_quality": 7 }, "cost_basis": "default" }, "slug": "blockchain-com", "rank": 20, "category_rank": 12 }, { "id": "coinme", "name": "Coinme", "category": "cash_atm", "website": "https://coinme.com", "operator_us": "Coinme Inc.", "parent_company": null, "founded_year": 2014, "hq": "Seattle, WA, USA", "us_status": "available", "us_status_note": "As of Oct 2026 Coinme serves 48 states and states it is unavailable in New York and Vermont due to state regulatory requirements.", "us_status_source": "https://coinme.com/", "states_not_served": [ "NY", "VT" ], "states_note": null, "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1185542", "ny_license": "None", "state_licenses_note": "Licensed money transmitter; state-specific disclosures published for 16 jurisdictions", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Services provided with Green Dot (NMLS 914924; Green Dot Bank NMLS 908739)" }, "assets": { "crypto_count_us": 11, "crypto_count_note": "11 coins per homepage, including BTC, ETH, SOL, XRP, DOGE, LINK, LTC, POL, XLM and USDC", "stablecoins_note": "USDC supported; USDC sends on Stellar are free" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Coinstar kiosks: 13.04% to 22.5% cash exchange fee. Retail checkout (Coinme Cash): 5% cash exchange fee plus $3.95 to $4.74 service fee.", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": "Up to 5.49% exchange fee plus 3.25% card processing fee", "usd_withdrawal": "ReadyCode ATM cash-out: up to 1.99% plus $2.50; debit card sell: up to 5.49% plus 1.5% instant withdrawal fee", "crypto_withdrawal": "Network fee; USDC on Stellar free", "other_fees": null, "fees_url": "https://help.coinme.com/en/articles/10707822-coinme-pricing-fees" }, "min_deposit_usd": null, "funding_methods": [ "Cash", "Debit card" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Cash buys at 14,000+ retail checkout counters and 6,000+ Coinstar kiosks; cash-out at 20,000+ ReadyCode ATMs; debit card purchases in the app. Limits vary by channel and state.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Balances and digital asset holdings are not FDIC insured, per Coinme disclosures", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "6.6K", "ios_ratings_n": 6620, "ios_url": "https://apps.apple.com/us/app/coinme-buy-bitcoin-crypto/id1545440300", "ios_app_name": "Coinme: Buy Bitcoin & Crypto" }, "support_channels": [ "Online chat", "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "Cash-to-crypto at retailers", "summary": "Coinme, founded in 2014 in Seattle, sells crypto for cash at 6,000+ Coinstar kiosks and 14,000+ retail checkout counters in 48 states; New York and Vermont are excluded. Coinme Inc. is a licensed money transmitter (NMLS 1185542). Published cash exchange fees are 13.04% to 22.5% at Coinstar kiosks and 5% plus a service fee at retail counters.", "pros": [ "Publishes its fee percentages for every channel", "20,000+ cash locations across 48 states", "Cash-out available at 20,000+ ReadyCode ATMs" ], "cons": [ "Coinstar kiosk fee of 13.04% to 22.5%", "Not available in New York or Vermont", "Balances are not FDIC insured" ], "sources": [ "https://coinme.com/", "https://help.coinme.com/en/articles/10707822-coinme-pricing-fees", "https://help.coinme.com/en/articles/10535881-disclosures", "https://coinme.com/legal", "https://en.wikipedia.org/wiki/Bitcoin_ATM", "https://apps.apple.com/us/app/coinme-buy-bitcoin-crypto/id1545440300" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.4, "pillars": { "access": 9.8, "regulation": 4, "security": 7, "cost": 5, "range": 5.4, "popularity": 5.1, "data_quality": 10 }, "cost_basis": "default" }, "slug": "coinme", "rank": 21, "category_rank": 1 }, { "id": "public", "name": "Public", "category": "broker_app", "website": "https://public.com/crypto", "operator_us": "Open to the Public Investing, Inc. (app and brokerage); crypto trading and custody by zerohash llc and zerohash liquidity services llc", "parent_company": "Public Holdings, Inc.", "founded_year": null, "hq": "New York, NY, USA", "us_status": "available", "us_status_note": "Crypto trading through zerohash is open to Public customers physically located in the US; Public moved crypto accounts from Bakkt to zerohash on October 24-26, 2025.", "us_status_source": "https://help.public.com/en/articles/12550593-where-can-i-trade-with-zerohash", "states_not_served": null, "states_note": "No excluded states are named; Public's disclosures say crypto services may not be available in all states. New York residents can trade 48 of the 63 tokens in the help-center table and cannot transfer crypto in or out.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "None", "state_licenses_note": "Public itself is not on the NYDFS list; its crypto provider zerohash llc holds NYDFS virtual currency and money transmitter licenses (July 2019).", "cftc_nfa": null, "sec_finra": "Open to the Public Investing, Inc. is a registered broker-dealer (FINRA/SIPC member); Public Advisors LLC is an SEC-registered investment adviser", "bank_charter": null, "public_company": null, "other": "Crypto IRAs are offered and custodied by Alto Trust Co, a New Mexico trust company." }, "assets": { "crypto_count_us": 60, "crypto_count_note": "'60+ assets' per public.com/crypto (Oct 2026); the help-center token table (updated June 22, 2026) enumerates 63, of which 48 are marked available in New York.", "stablecoins_note": "No dollar stablecoins appear in the token table; PAX Gold (PAXG) is listed." }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Flat fee by order size: $0.49 (up to $10), $0.69 (to $25), $1.19 (to $50), $1.69 (to $100), $3.29 (to $250), $6.29 (to $500); 1.25% of the order above $500", "trading_fee_note": "Recurring buys pay 1.25%. API accounts pay 0.60% under $10K monthly volume, stepping down to 0.10% at $100M+. Minimum crypto purchase $1; maximum $100,000 per trade.", "ach_deposit": "Free", "wire_deposit": "Free (incoming)", "card_purchase": null, "usd_withdrawal": "ACH free; domestic wire $25; instant withdrawal up to 3.5% (minimum $1)", "crypto_withdrawal": "Network fee plus a $0.53 zerohash KYT fee; no Public fee", "other_fees": "Inactivity fee $3.99 per month on accounts under $70 with no activity for 6 months; Crypto IRA custody fee 0.05% per month (offset by trading fees); outgoing ACAT transfer $100", "fees_url": "https://public.com/disclosures/fee-schedule" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": true, "crypto_card": null, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": true }, "products_note": "Crypto trades 24/7 apart from a daily maintenance period starting 5:30 PM ET. Crypto can be transferred in and out through zerohash (Ethereum mainnet only for ETH), except for New York residents. Crypto IRAs are custodied by Alto Trust Co. Stocks, options and bonds trade in the same app. Internet Computer (ICP) was dropped in the zerohash migration.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Crypto is held and custodied by zerohash llc, not Public, and is not covered by FDIC or SIPC.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "85K", "ios_ratings_n": 85288, "ios_url": "https://apps.apple.com/us/app/public-invest-trade/id1204112719", "ios_app_name": "Public: Invest & Trade" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Multi-asset investors, crypto IRAs", "summary": "Public offers 60+ crypto tokens alongside stocks, options and bonds, with crypto execution and custody handled by zerohash llc since an October 2025 migration from Bakkt. Orders up to $500 pay a flat fee from $0.49 to $6.29; larger orders pay 1.25%. Crypto can be transferred in and out, except by New York residents. Crypto IRAs are custodied by Alto Trust Co.", "pros": [ "Crypto transfers in and out with no Public fee", "Crypto IRAs available, custodied by Alto Trust Co", "API accounts priced from 0.60% down to 0.10%" ], "cons": [ "Flat fees weigh on small orders: $0.49 on up to $10", "New York residents cannot transfer crypto in or out", "$0.53 KYT fee plus network fee on each withdrawal" ], "sources": [ "https://public.com/crypto", "https://public.com/disclosures/fee-schedule", "https://public.com/disclosures", "https://help.public.com/en/articles/5578721-are-there-fees-to-invest-in-crypto", "https://help.public.com/en/articles/8900850-how-do-i-transfer-crypto", "https://help.public.com/en/articles/11987122-what-tokens-will-be-supported-with-zerohash", "https://help.public.com/en/articles/11987630-crypto-migration", "https://help.public.com/en/articles/12550593-where-can-i-trade-with-zerohash", "https://help.public.com/en/articles/5630963-what-are-the-trading-rules-for-cryptocurrency", "https://help.public.com/en/articles/14171001-what-are-the-fees-for-my-crypto-ira", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/public-invest-stocks-bonds/id1204112719", "https://apps.apple.com/us/app/public-invest-trade/id1204112719" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.4, "pillars": { "access": 9, "regulation": 2, "security": 7, "cost": 5, "range": 8.2, "popularity": 7.4, "data_quality": 10 }, "cost_basis": "default" }, "slug": "public", "rank": 22, "category_rank": 13 }, { "id": "figure-markets", "name": "Figure Markets", "category": "cex", "website": "https://www.figuremarkets.com", "operator_us": "Figure Markets, Inc.; money transmission via Figure Payments Corporation", "parent_company": "Figure Technology Solutions, Inc. (NASDAQ: FIGR)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Open to US residents through its mobile app; the account-opening guide (updated Sept. 3, 2026) says cryptocurrency trading is not available in New York.", "us_status_source": "https://support.figuremarkets.com/hc/en-us/articles/50265280849811-Exchange-Create-A-Figure-Markets-Personal-Account-Mobile", "states_not_served": [ "NY" ], "states_note": "New York is the only state named as excluded for crypto trading; the official licenses page did not load, so other exclusions cannot be ruled out. Crypto-backed loans are not offered in DC, ID, IL, KY, MD, MS, SD, TX, VT or VA.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2033432", "ny_license": "None", "state_licenses_note": "Figure Payments Corporation (NMLS #2033432, Reno, NV) handles payments; Figure Lending LLC (NMLS #1717824) makes loans; state-by-state license list not verified", "cftc_nfa": null, "sec_finra": "Figure Securities, Inc. is a FINRA-member broker-dealer (SIPC); Figure Certificate Company issues YLDS, registered with the SEC as a security; Figure Investment Advisors LLC", "bank_charter": null, "public_company": "NASDAQ: FIGR", "other": null }, "assets": { "crypto_count_us": 11, "crypto_count_note": "11 coins and 15 pairs per CoinGecko's exchange page on Oct. 5, 2026; not confirmed on an official asset list", "stablecoins_note": "Issues YLDS, an SEC-registered yield-bearing stablecoin paying SOFR minus 50 basis points" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Fee shown in dollars and percent on the order preview screen; no public rate published", "trading_fee_note": "No public schedule found: the help article (updated Sept. 1, 2026) says the fee is shown on the order preview screen. Third-party reviews conflict (0.1% maker/taker vs. a zero-fee promotion)", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "ACH or wire; fee not stated; limits $25,000 per 24 hours (ACH), $50,000 per day (wire)", "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://support.figuremarkets.com/hc/en-us/articles/50417029962899-Exchange-Trading-Fees-on-the-Exchange" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": true, "staking": null, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Account opening requires the mobile app. Products include the Pro Trade exchange, YLDS, Democratized Prime lending pools, crypto-backed loans and margin loans. OPEN (Onchain Public Equity Network) is a separate venue for blockchain-registered public equity.", "custody_model": "hybrid", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Figure Securities, Inc. is a SIPC member (securities coverage up to $500,000); no insurance for crypto balances is stated", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.5, "ios_ratings_count": "252", "ios_ratings_n": 252, "ios_url": "https://apps.apple.com/us/app/figure-markets-earn-borrow/id6477495740", "ios_app_name": "Figure Markets: Earn & Borrow" }, "support_channels": [ "Phone", "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Yield and crypto loans", "summary": "Figure Markets is the crypto exchange of Figure Technology Solutions (NASDAQ: FIGR). Users trade from a self-custody wallet secured by multi-party computation, and can hold YLDS, a yield-bearing stablecoin registered with the SEC as a security, lend through Democratized Prime, or take crypto-backed loans. Crypto trading is not available in New York, the asset list is short, and no public trading-fee schedule was found.", "pros": [ "Parent company is listed on Nasdaq (FIGR)", "MPC self-custody wallet; user authorizes every transaction", "YLDS stablecoin pays SOFR minus 0.50%" ], "cons": [ "Crypto trading not available in New York", "Short asset list: about 11 coins per CoinGecko", "No public trading-fee schedule found" ], "sources": [ "https://www.figuremarkets.com/", "https://support.figuremarkets.com/hc/en-us/articles/50265280849811-Exchange-Create-A-Figure-Markets-Personal-Account-Mobile", "https://support.figuremarkets.com/hc/en-us/articles/50417029962899-Exchange-Trading-Fees-on-the-Exchange", "https://support.figuremarkets.com/hc/en-us/articles/30046923507859-Exchange-Withdraw-USD-by-ACH-or-Wire-From-Your-Figure-Market-s-Account", "https://support.figuremarkets.com/hc/en-us/articles/53988277666195-Exchange-Self-Custody-and-MPC-Wallets", "https://support.figuremarkets.com/hc/en-us/articles/32121104618899-Exchange-Fund-Account-With-USD-by-ACH-Deposit-Mobile", "https://investors.figure.com/news-releases/news-release-details/figure-completes-acquisition-kiavi", "https://investors.figure.com/", "https://www.coingecko.com/en/exchanges/figure-markets", "https://milkroad.com/reviews/figure-markets/", "https://www.bitdegree.org/crypto/figure-markets-review", "https://apps.apple.com/us/app/figure-markets-earn-borrow/id6477495740" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.3, "pillars": { "access": 9.9, "regulation": 6, "security": 7, "cost": 5, "range": 6, "popularity": 2.3, "data_quality": 7 }, "cost_basis": "default" }, "slug": "figure-markets", "rank": 23, "category_rank": 7 }, { "id": "etoro", "name": "eToro", "category": "broker_app", "website": "https://www.etoro.com/en-us/", "operator_us": "eToro USA LLC (eToro NY LLC for New York residents)", "parent_company": "eToro Group Ltd.", "founded_year": 2007, "hq": "New York, NY, USA (eToro USA LLC address); parent company based in Israel", "us_status": "available", "us_status_note": "Crypto trading is offered in 48 states and DC (not Nevada or Hawaii); New York residents were added on April 1, 2026, according to crypto.news.", "us_status_source": "https://www.etoro.com/en-us/trading/live-states/", "states_not_served": [ "NV", "HI" ], "states_note": "Crypto is also unavailable in Puerto Rico and the US Virgin Islands; eToro does not operate in American Samoa or Guam. New York residents get a more limited coin selection. Staking is not available in all states.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1769299", "ny_license": "BitLicense", "state_licenses_note": "NYDFS lists eToro NY LLC with virtual currency and money transmitter licenses (list date February 2023); eToro USA LLC shows NMLS ID 1769299. Other state licenses were not itemized.", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "A September 12, 2024 SEC settlement limited US crypto trading to BTC, BCH and ETH; the official US crypto page now advertises more than 100 cryptoassets." }, "assets": { "crypto_count_us": 100, "crypto_count_note": "'More than 100' cryptoassets per etoro.com/en-us/crypto (Oct 2026); a more limited selection is available to New York residents.", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% fee on each crypto buy and sell, shown separately from the price since mid-July 2025", "trading_fee_note": "No volume tiers published for US crypto. Stocks and ETFs are commission-free; options carry no commission or contract fee for US users (regulatory fees apply).", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "$0 fee; $30 minimum withdrawal", "crypto_withdrawal": "Transfer and network fees may apply (amounts not verified)", "other_fees": null, "fees_url": "https://www.etoro.com/en-us/trading/fees/" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": false, "options": false, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Supported cryptoassets can be moved to the eToro Wallet and then to external wallets; availability varies by region. Staking covers select assets with monthly rewards and is not available in all states. Options on the platform are stock and ETF options. CopyTrader availability for US crypto accounts was not verified.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2024, "type": "settlement", "summary": "eToro USA LLC agreed on September 12, 2024 to pay $1.5 million to settle SEC charges of operating as an unregistered broker and clearing agency, and limited US crypto trading to BTC, BCH and ETH.", "source": "https://www.sec.gov/newsroom/press-releases/2024-125" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.4, "ios_ratings_count": "9.9K", "ios_ratings_n": 9934, "ios_url": "https://apps.apple.com/us/app/etoro-trade-invest/id674984916", "ios_app_name": "etoro: Trade & Invest" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Flat-fee crypto buying", "summary": "eToro USA LLC offers more than 100 cryptoassets in 48 states and DC, excluding Nevada and Hawaii, and charges 1% on each crypto buy and sell. New York residents get a smaller selection through eToro NY LLC, a BitLicense holder. Supported coins can move to the eToro Wallet and on to external wallets. A 2024 SEC settlement had limited US trading to three coins.", "pros": [ "Flat 1% crypto fee shown separately from the price", "100+ cryptoassets; licensed New York entity serves New Yorkers", "Stocks, ETFs and options offered on the same platform" ], "cons": [ "Crypto trading is not available in Nevada or Hawaii", "1% per trade with no published volume discounts", "2024 SEC settlement: $1.5 million penalty over unregistered brokerage" ], "sources": [ "https://www.etoro.com/en-us/crypto/", "https://www.etoro.com/en-us/trading/live-states/", "https://www.etoro.com/en-us/trading/fees/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://www.sec.gov/newsroom/press-releases/2024-125", "https://crypto.news/etoro-wins-new-york-bitlicense-expands-crypto-access-to-48-us-states/", "https://apps.apple.com/us/app/etoro-trade-invest/id674984916" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.3, "pillars": { "access": 9.8, "regulation": 4, "security": 5.3, "cost": 5, "range": 8.4, "popularity": 5.5, "data_quality": 7 }, "cost_basis": "default" }, "slug": "etoro", "rank": 24, "category_rank": 14 }, { "id": "uphold", "name": "Uphold", "category": "cex", "website": "https://uphold.com/en-us", "operator_us": "Uphold HQ Inc.", "parent_company": null, "founded_year": null, "hq": "San Francisco, CA, USA", "us_status": "available", "us_status_note": "Uphold serves US users through Uphold HQ Inc. (NMLS 1269875); per a help article updated Sept 3, 2026, users located in New York cannot buy crypto with fiat or deposit fiat.", "us_status_source": "https://support.uphold.com/hc/en-us/articles/54363896529307-New-York-Restriction-Uphold-Wallet-Card", "states_not_served": [ "LA", "NY" ], "states_note": "No services in New York; no new accounts in Louisiana. Territories: no services in USVI and US Minor Outlying Islands; no new accounts in American Samoa, Guam, Northern Mariana Islands and Puerto Rico.", "ny_available": false, "kyc_required": null, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1269875", "ny_license": "None", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Spread that varies by asset class, plus $0.99 on trades under $500 (some exceptions)", "trading_fee_note": "No maker/taker order book; pricing is spread-based", "ach_deposit": "Free", "wire_deposit": "$10 under $2,000; free for $2,000 or more", "card_purchase": "3.99% (cards and digital wallets); PayPal/Venmo 2.5% for USD, 2.99% for other assets", "usd_withdrawal": "Standard ACH free; instant ACH 1.75%; debit card / Apple Pay 1.75% (min $1)", "crypto_withdrawal": "$0.99 flat fee (except BTC, XRP, HBAR) plus network fee", "other_fees": null, "fees_url": "https://support.uphold.com/hc/en-us/articles/360038404532-Fees-Limits-Processing-times" }, "min_deposit_usd": 10, "funding_methods": [ "ACH", "Wire", "Debit card", "Credit card", "Apple Pay", "PayPal", "Venmo", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "USD Interest Account advertised at 3.75% APY on balances of $10+; staking on 20+ assets; Vault assisted self-custody; equities trading.", "custody_model": "hybrid", "security": { "proof_of_reserves": "Yes - assets and liabilities published on its website, stated to update every 30 seconds (self-reported, no auditor named)", "proof_of_reserves_url": "https://uphold.com/en-us", "audits_certifications": "SOC 2 Type 2, ISO 27001, PCI DSS", "insurance_note": "USD balances eligible for FDIC pass-through coverage up to $2.5M via a cash sweep program, per the site", "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "91K", "ios_ratings_n": 90708, "ios_url": "https://apps.apple.com/us/app/uphold-trade-crypto-stocks/id1101145849", "ios_app_name": "Uphold: Trade crypto & stocks" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Multi-asset spread-based buying", "summary": "Uphold HQ Inc. (NMLS 1269875), based in San Francisco, offers spread-priced crypto trading, staking on 20+ assets, a USD interest account, a debit card and equities. It publishes its assets and liabilities on its website and states it does not lend customer assets. Users located in New York cannot buy crypto with fiat. Trades under $500 carry a $0.99 fee.", "pros": [ "Publishes assets and liabilities in near real time", "Free ACH deposits and standard ACH withdrawals", "SOC 2 Type 2 and ISO 27001 certifications" ], "cons": [ "Spread pricing with no order book", "Crypto purchases blocked for users located in New York", "$0.99 fee on trades under $500" ], "sources": [ "https://uphold.com/en-us", "https://support.uphold.com/hc/en-us/articles/360038404532-Fees-Limits-Processing-times", "https://support.uphold.com/hc/en-us/articles/54363896529307-New-York-Restriction-Uphold-Wallet-Card", "https://support.uphold.com/hc/en-us", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://support.uphold.com/hc/en-us/articles/360026786712-Is-my-location-supported", "https://apps.apple.com/us/app/uphold-trade-crypto-stocks/id1101145849" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.3, "pillars": { "access": 9.8, "regulation": 1, "security": 9.5, "cost": 5, "range": 4.9, "popularity": 7.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "uphold", "rank": 25, "category_rank": 8 }, { "id": "coinzoom", "name": "CoinZoom", "category": "cex", "website": "https://www.coinzoom.com", "operator_us": "CoinZoom, Inc.", "parent_company": null, "founded_year": 2018, "hq": "Utah, USA", "us_status": "available", "us_status_note": "CoinZoom, Inc. is operating as of October 2026 and lists money transmitter-type licenses in 29 states plus DC; its New York license is shown as pending.", "us_status_source": "https://www.coinzoom.com/en/licenses/", "states_not_served": null, "states_note": "No list of unserved states was found. The license page shows New York as 'Pending'; about 20 states do not appear on the list, and the page does not say whether they are served.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1735216", "ny_license": "None", "state_licenses_note": "License page lists money transmitter-type licenses in 29 states plus DC; New York money transmitter license shown as pending", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "FinCEN MSB registration no. 31000258236203; about page also cites an Australian Digital Currency Exchange registration" }, "assets": { "crypto_count_us": 40, "crypto_count_note": "'40+ digital assets' per official homepage, Oct 2026; availability varies by jurisdiction", "stablecoins_note": "USDT (ERC-20 and TRC-20), USDC, DAI and TUSD are listed" }, "fees": { "spot_maker_pct": 0.44, "spot_taker_pct": 0.6, "simple_buy_fee": "0.75%–1.49% in Lite mode (instant buy/sell and conversions)", "trading_fee_note": "Pro mode ranges from 0.44% maker / 0.60% taker down to 0.22% / 0.30%; holding ZOOM and paying fees in it gives 10% (Silver) to 50% (Black) off", "ach_deposit": "Free", "wire_deposit": "$12 (free for Black level)", "card_purchase": "3.99% (2.99% for Black level; $1.99 minimum)", "usd_withdrawal": "ACH free; wire $35 domestic / $50 international; instant withdrawal 1.75% ($1.50 minimum)", "crypto_withdrawal": "Network-dependent fee", "other_fees": "CoinZoom Cash deposits cost 5% ($6 minimum)", "fees_url": "https://www.coinzoom.com/en/fees/" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "RTP", "Wire", "Debit card", "Credit card", "Apple Pay", "Google Pay", "Cash (CoinZoom Cash)", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": false, "self_custody_wallet": null, "prediction_markets": false, "tax_documents": null }, "products_note": "Lite and Pro trading modes, a Visa debit card with up to 5% crypto cashback, ZoomMe instant transfers between users and CoinZoom Cash deposits.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "SOC 2 (per CoinZoom about page)", "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "825", "ios_ratings_n": 825, "ios_url": "https://apps.apple.com/us/app/coinzoom-buy-spend-send-btc/id1575983875", "ios_app_name": "CoinZoom Buy, Spend, Send BTC" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Crypto debit card spending", "summary": "CoinZoom, Inc. is a Utah-based money services business founded in 2018. It offers a Lite mode with 0.75%–1.49% fees, a Pro order book at up to 0.44% maker and 0.60% taker, and a Visa debit card with up to 5% crypto cashback. ACH deposits and withdrawals are free. Its license page lists the New York license as pending.", "pros": [ "Free ACH deposits and withdrawals", "Visa debit card with up to 5% crypto cashback", "ZOOM token holders get 10%–50% off Pro fees" ], "cons": [ "Base Pro fees of 0.44% maker and 0.60% taker", "Card purchases cost 3.99%", "New York license listed as pending" ], "sources": [ "https://www.coinzoom.com/", "https://www.coinzoom.com/en/fees/", "https://www.coinzoom.com/en/licenses/", "https://www.coinzoom.com/en/supported-coins/", "https://www.coinzoom.com/en/about/", "https://support.coinzoom.com/en/articles/12738993-funding-method-comparison-and-hold-times", "https://apps.apple.com/us/app/coinzoom-buy-spend-send-btc/id1575983875" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.2, "pillars": { "access": 9, "regulation": 4, "security": 7, "cost": 6.4, "range": 7.3, "popularity": 3.3, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "coinzoom", "rank": 26, "category_rank": 9 }, { "id": "edge", "name": "Edge", "category": "wallet_swap", "website": "https://edge.app", "operator_us": "Airbitz Inc (App Store seller)", "parent_company": null, "founded_year": 2014, "hq": "San Diego, CA, USA", "us_status": "available", "us_status_note": "Listed on the US App Store by seller Airbitz Inc with buy, sell and swap features (version 4.51.2, checked 2026-10-05); the company is based in San Diego.", "us_status_source": "https://apps.apple.com/us/app/edge-crypto-bitcoin-wallet/id1344400091", "states_not_served": null, "states_note": "Buy providers and payment methods depend on country and state; no official state list published.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 120, "crypto_count_note": "'over 120 Cryptocurrencies' per US App Store listing", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Provider fees shown in app: about 5% PayPal/Venmo, 5-7% card or Apple Pay, bank wire around 2%", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://support.edge.app/hc/en-us/articles/36464786048155-Navigating-Edge-Wallet-Buy-Scene" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Username-and-password login instead of a seed phrase; vendor describes a zero-knowledge architecture.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Code is open source (BSD-3-Clause on GitHub); no audit report verified", "insurance_note": null, "incidents": [] }, "apps": { "web": false, "ios": true, "android": true, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "3.3K", "ios_ratings_n": 3292, "ios_url": "https://apps.apple.com/us/app/edge-crypto-bitcoin-wallet/id1344400091", "ios_app_name": "Edge - Crypto & Bitcoin Wallet" }, "support_channels": [], "dex": { "chains": [ "Bitcoin", "Ethereum", "Monero", "Solana", "Litecoin", "XRP", "Tron", "Optimism", "Zcash", "Stellar" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Seed-phrase-free self-custody", "summary": "Edge is an open-source mobile wallet from San Diego, founded in 2014 and listed on the US App Store by Airbitz Inc. It supports buying, selling and in-app swapping of over 120 cryptocurrencies, including Bitcoin, Ethereum, Solana and Monero, and uses a username and password instead of a seed phrase. Swap fees and providers were not verified.", "pros": [ "Open-source code under a BSD-3-Clause license", "Username and password login, no seed phrase required", "Supports Monero and Zcash alongside major chains" ], "cons": [ "Mobile only: iOS and Android", "Swap fees and providers not confirmed from official pages", "US state limits for buy and sell not published" ], "sources": [ "https://edge.app/about/", "https://apps.apple.com/us/app/edge-crypto-bitcoin-wallet/id1344400091", "https://github.com/EdgeApp/edge-react-gui", "https://support.edge.app/hc/en-us/articles/36464786048155-Navigating-Edge-Wallet-Buy-Scene" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.2, "pillars": { "access": 9, "regulation": 3, "security": 8, "cost": 5, "range": 8.5, "popularity": 4.5, "data_quality": 7 }, "cost_basis": "default" }, "slug": "edge", "rank": 27, "category_rank": 1 }, { "id": "coinbase-wallet", "name": "Coinbase Wallet (formerly Base app)", "category": "wallet_swap", "website": "https://base.app", "operator_us": null, "parent_company": "Coinbase Global, Inc. (NASDAQ: COIN)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "base.app (fetched 2026-10-05) offers USDC rewards to eligible U.S. users who link a Coinbase account.", "us_status_source": "https://base.app/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "NASDAQ: COIN", "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Fees shown at checkout; debit card or bank account via a linked Coinbase account, or debit card / Apple Pay without one", "trading_fee_note": "Swaps: Base charges a fee of up to 1%, plus any DEX aggregator fee and network fees", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://help.coinbase.com/en/wallet/trading-and-funding/buy-trade" }, "min_deposit_usd": null, "funding_methods": [ "Debit card", "Bank account (via linked Coinbase account)", "Apple Pay", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Site advertises trading of crypto, stocks, commodities, predictions and perps plus limit orders; US eligibility per product not verified. USDC rewards up to 3.35% APY for eligible US users with a linked Coinbase account (rate set by Coinbase, subject to change).", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "161K", "ios_ratings_n": 161396, "ios_url": "https://apps.apple.com/us/app/coinbase-wallet-trade-to-win/id1278383455", "ios_app_name": "Coinbase Wallet: Trade to Win" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Arbitrum", "Avalanche C-Chain", "Base", "Bitcoin", "BNB Chain", "Ethereum", "Monad", "Optimism", "Polygon", "Robinhood Chain", "Solana", "Zora" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Coinbase account holders", "summary": "Coinbase Wallet is the self-custody wallet from Coinbase; it was rebranded Base app in July 2025, and the official site and help center again use the Coinbase Wallet name as of October 2026. It supports 12 preconfigured networks, purchases by debit card, Apple Pay or a linked Coinbase account, and USDC rewards for eligible US users.", "pros": [ "Buy with debit card or Apple Pay without a Coinbase account", "USDC rewards up to 3.35% APY for eligible US users", "Twelve preconfigured networks including Bitcoin and Solana" ], "cons": [ "Swap fee percentage not published on pages reviewed", "Bank-account purchases need a linked Coinbase account", "Product name changed twice since July 2025" ], "sources": [ "https://base.app/", "https://www.coinbase.com/wallet", "https://help.coinbase.com/en/wallet", "https://help.coinbase.com/en/wallet/trading-and-funding/buy-trade", "https://help.coinbase.com/en/wallet/getting-started/what-types-of-crypto-does-wallet-support", "https://www.coindesk.com/tag/coinbase-wallet", "https://www.coindesk.com/tech/2025/07/17/coinbase-wallet-becomes-base-app-in-major-rebrand", "https://help.coinbase.com/en/wallet/getting-started/dex-swap", "https://apps.apple.com/us/app/coinbase-wallet-trade-to-win/id1278383455" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.2, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.5, "popularity": 7.9, "data_quality": 7 }, "cost_basis": "default" }, "slug": "coinbase-wallet", "rank": 28, "category_rank": 2 }, { "id": "strike", "name": "Strike", "category": "bitcoin_only", "website": "https://strike.me", "operator_us": "Zap Solutions, Inc. (d/b/a Strike)", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Official FAQ (checked Oct 2026) says Strike is available to residents of all 50 states, DC and Puerto Rico, and Strike holds a NYDFS virtual currency license.", "us_status_source": "https://strike.me/en/faq/where-is-strike-available/", "states_not_served": [], "states_note": "Buying, selling and holding bitcoin is supported in every state; loans, the line of credit, bill pay and Send Globally are available only in select states (the lending entity is not licensed in New York, among others).", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1902919", "ny_license": "BitLicense", "state_licenses_note": "Official licenses page lists money transmitter licenses across US states, DC and Puerto Rico, including a New York money transmitter license (MT105258) alongside the NY virtual currency license (0000050); notes say the Indiana and Louisiana licenses do not cover virtual currency. Strike Lending (Zap Solutions Capital, Inc., NMLS 2741098) holds lending licenses in about 30 states.", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.89% fee for monthly volume up to $4,999.99, plus a targeted all-in spread of 0.22%", "trading_fee_note": "Monthly volume tiers: 0.79% ($5,000-$49,999.99), 0.69% ($50,000-$499,999.99), 0.59% ($500,000-$4,999,999.99), 0.39% ($5M-$14,999,999.99), 0.25% ($15M+). Recurring purchases are fee-free after the first week for personal accounts; direct-deposit conversions are fee-free up to $20,000 per month.", "ach_deposit": "Free", "wire_deposit": null, "card_purchase": "Debit card deposits carry a fee; the amount is shown in the app and is not published in the FAQ", "usd_withdrawal": "Wire withdrawal $15 flat ($50,000 minimum wire); instant delivery carries a fee; standard ACH fee not stated", "crypto_withdrawal": "On-chain: free Flexible tier (batched, 12-48 hours) plus paid Standard and Priority tiers; Lightning sends supported, fee not published", "other_fees": null, "fees_url": "https://strike.me/en/faq/what-are-the-bitcoin-trading-fees-on-strike/" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Debit card", "Direct deposit", "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": null, "lending_borrowing": true, "recurring_buys": true, "crypto_card": null, "stocks_etfs": false, "ira": null, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only. Bill pay through account and routing numbers, Send Globally remittances, bitcoin-backed loans and lines of credit (loans from $10,000 per the App Store listing), and automatic withdrawals to self-custody; on-chain and Lightning transfers.", "custody_model": "custodial", "security": { "proof_of_reserves": "No platform-wide attestation found; a proof-of-reserves feature for loan collateral was announced in April 2026", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2026, "type": "other", "summary": "A Tether-proposed three-way merger of Strike, Twenty One Capital and Elektron Energy (April 2026) collapsed in July 2026; Strike remains a standalone company.", "source": "https://decrypt.co/373940/jack-mallers-quits-twenty-one-capital-as-tethers-bitcoin-merger-collapses" } ] }, "apps": { "web": null, "ios": true, "android": true, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "29K", "ios_ratings_n": 28719, "ios_url": "https://apps.apple.com/us/app/strike-buy-hold-bitcoin/id1488724463", "ios_app_name": "STRIKE: Buy & Hold Bitcoin" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "Lightning payments, recurring buys", "summary": "Strike is a Bitcoin-only app run by Zap Solutions, Inc., available in all 50 states, DC and Puerto Rico and holding a New York BitLicense. Trading fees start at 0.89% and fall to 0.25% with volume, plus a targeted 0.22% spread; recurring buys are fee-free after the first week. It supports on-chain and Lightning transfers, bill pay and bitcoin-backed loans.", "pros": [ "Available in all 50 states, with a New York BitLicense", "Recurring buys are fee-free after the first week", "Free batched on-chain withdrawals and Lightning support" ], "cons": [ "0.89% fee plus spread on small one-time purchases", "Loans and bill pay limited to select states", "Custodial: bitcoin is held by Strike unless withdrawn" ], "sources": [ "https://strike.me/en/faq/what-are-the-bitcoin-trading-fees-on-strike/", "https://strike.me/en/legal/licenses/", "https://strike.me/en/faq/where-is-strike-available/", "https://strike.me/en/faq/where-is-my-bitcoin-held/", "https://strike.me/en/faq/what-fees-and-rates-apply-to-cash-transactions/", "https://strike.me/en/blog/batching-on-chain-sends/", "https://apps.apple.com/app/id1488724463", "https://decrypt.co/373940/jack-mallers-quits-twenty-one-capital-as-tethers-bitcoin-merger-collapses", "https://cryptorank.io/news/feed/18fd1-strike-ceo-jack-mallers-bitcoin-conference", "https://apps.apple.com/us/app/strike-buy-hold-bitcoin/id1488724463" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 6.1, "pillars": { "access": 10, "regulation": 4, "security": 5.7, "cost": 5, "range": 2.5, "popularity": 6.4, "data_quality": 10 }, "cost_basis": "default" }, "slug": "strike", "rank": 29, "category_rank": 2 }, { "id": "inx", "name": "INX", "category": "cex", "website": "https://www.inx.co", "operator_us": "INX Digital, Inc. (crypto); INX Securities, LLC (securities)", "parent_company": "Republic (acquirer Republic Core LLC; acquisition closed Nov. 16, 2025)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "INX keeps operating under Republic ownership (deal closed Nov. 16, 2025): INX Digital, Inc. is a FinCEN-registered money transmitter and the site carries state notices for 32 states and DC, though no supported-state list is published.", "us_status_source": "https://www.inx.co/", "states_not_served": [ "MA", "NY" ], "states_note": "Residents of American Samoa, Guam and the U.S. Virgin Islands also cannot open an INX Digital account.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2094630", "ny_license": null, "state_licenses_note": "INX Digital, Inc. is registered 'with multiple U.S. states as a money transmitter'; Florida license no. FT230000358 is cited on the disclosures page", "cftc_nfa": null, "sec_finra": "INX Securities, LLC: SEC-registered broker-dealer and alternative trading system (ATS), FINRA and SIPC member (BrokerCheck firm 162182)", "bank_charter": null, "public_company": null, "other": "INX Limited (Gibraltar) provides the technology" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Homepage names BTC, ETH, SOL, AVAX and ADA plus several stablecoins; the full list was not counted", "stablecoins_note": "USDC, USDT, DAI, PYUSD and USDe are named on the homepage" }, "fees": { "spot_maker_pct": 0.3, "spot_taker_pct": 0.4, "simple_buy_fee": null, "trading_fee_note": "Flat crypto fees with no volume tiers in the schedule effective June 3, 2026. Security tokens: 1.5% commission each for buyer and seller plus a $1 network service fee per order", "ach_deposit": "No fee listed", "wire_deposit": "Free", "card_purchase": "3.75% (credit and debit card deposits)", "usd_withdrawal": "ACH $5; wire $35", "crypto_withdrawal": "Flat per-asset fee, e.g. 0.0005 BTC, 0.013 ETH, 5 USDC", "other_fees": null, "fees_url": "https://www.inx.co/fee-schedules" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Debit card", "Credit card", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "INX One combines crypto spot trading with security-token trading on INX Securities' SEC-registered ATS, including Republic Note and tokenized Animoca Brands shares; some securities may require accredited-investor status.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "INX Securities, LLC is a SIPC member; no insurance on cryptocurrency holdings is stated", "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Regulated security tokens", "summary": "INX, owned by Republic since November 2025, pairs crypto spot trading with security-token trading on an SEC-registered alternative trading system run by FINRA member INX Securities, LLC. INX Digital, Inc. is a FinCEN-registered money transmitter (NMLS #2094630). Crypto fees are a flat 0.3% maker and 0.4% taker, security-token trades cost 1.5% per side, and no supported-state list is published.", "pros": [ "SEC-registered broker-dealer and ATS for security tokens", "Crypto and tokenized securities in one account", "ACH, wire and card funding supported" ], "cons": [ "Flat 0.3% maker / 0.4% taker with no volume tiers", "No published list of supported states", "$35 wire withdrawal fee; 3.75% card deposit fee" ], "sources": [ "https://www.inx.co/", "https://www.inx.co/fee-schedules", "https://www.inx.co/general-terms", "https://www.inx.co/disclaimers", "https://republic.com/note/updates/inx-acquisition-closes", "https://crypto-support.inx.co/hc/en-gb", "https://brokercheck.finra.org/firm/summary/162182", "https://www.inx.co/state-licenses" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.1, "pillars": { "access": 9.8, "regulation": 5, "security": 7, "cost": 7.6, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "inx", "rank": 30, "category_rank": 10 }, { "id": "metamask", "name": "MetaMask", "category": "wallet_swap", "website": "https://metamask.io", "operator_us": "Consensys Software Inc.", "parent_company": "Consensys Software Inc. (private)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Official buy page (fetched 2026-10-05) lists ACH transfers for US banks; CoinDesk reported the MetaMask debit card expanded across the US on 2026-02-26.", "us_status_source": "https://metamask.io/buy-crypto", "states_not_served": null, "states_note": "Buy options depend on region and third-party provider; state-level limits not published on pages reviewed.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% MetaMask fee on buys, plus provider processing fee and network fee", "trading_fee_note": "MetaMask fee of 0.875% on swaps, plus network (gas) fee and the quoted rate", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://support.metamask.io/trade/swap/user-guide-swaps/" }, "min_deposit_usd": null, "funding_methods": [ "Debit card", "Credit card", "ACH", "Wire", "Apple Pay", "Google Pay", "PayPal", "Venmo", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "CoinDesk reported perps via Hyperliquid and Polymarket prediction markets (Oct 2025) and Ondo tokenized stocks (Feb 2026); US eligibility for these was not verified.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "76K", "ios_ratings_n": 76382, "ios_url": "https://apps.apple.com/us/app/metamask-trade-crypto/id1438144202", "ios_app_name": "MetaMask: Trade Crypto" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Ethereum", "Bitcoin", "Linea", "Base", "Solana", "Tron", "Polygon", "BNB Chain", "Arbitrum", "Monad", "Robinhood Chain", "OP", "Sei", "Avalanche", "zkSync Era", "MegaETH", "HyperEVM", "Arc", "Tempo" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "0.875% MetaMask fee on swaps; gasless swaps on Ethereum, BNB Smart Chain, Linea, Arbitrum and Base", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Multichain swaps", "summary": "MetaMask is a self-custody wallet from Consensys with built-in swaps across 19 listed networks, including Ethereum, Bitcoin, Solana and Tron. The wallet adds a 0.875% fee to each swap on top of network costs. Fiat purchases run through third-party providers, with ACH, cards, PayPal and Venmo listed; available methods depend on the buyer's region.", "pros": [ "Swaps on 19 listed networks, including Bitcoin and Solana", "Published flat 0.875% swap fee", "ACH, card, PayPal and Venmo purchase options listed" ], "cons": [ "0.875% wallet fee added to every swap", "Buy methods and providers vary by region", "Fiat provider fees not published by MetaMask" ], "sources": [ "https://support.metamask.io/trade/swap/user-guide-swaps/", "https://metamask.io/swaps", "https://metamask.io/buy-crypto", "https://www.coindesk.com/tag/metamask", "https://www.coindesk.com/business/2026/02/26/metamask-expands-debit-card-across-u-s-after-year-long-pilot", "https://www.coindesk.com/business/2025/10/08/metamask-will-add-polymarket-prediction-markets-rolls-out-perp-trading-with-hyperliquid", "https://support.metamask.io/manage-crypto/move-crypto/buy/faqs/", "https://apps.apple.com/us/app/metamask-trade-crypto/id1438144202" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.5, "popularity": 7.3, "data_quality": 7 }, "cost_basis": "default" }, "slug": "metamask", "rank": 31, "category_rank": 3 }, { "id": "binance-us", "name": "Binance.US", "category": "cex", "website": "https://www.binance.us", "operator_us": "BAM Trading Services Inc. d.b.a. Binance.US", "parent_company": null, "founded_year": null, "hq": null, "us_status": "limited", "us_status_note": "Per the official list updated June 3, 2026, Binance.US serves 38 states plus DC and Puerto Rico; 12 states including New York and Texas are unsupported.", "us_status_source": "https://support.binance.us/en/articles/9842798-list-of-supported-states-and-regions", "states_not_served": [ "AK", "CT", "GA", "ME", "NY", "NC", "ND", "OH", "OR", "TX", "VT", "WA" ], "states_note": "Kansas and Wisconsin are crypto-only: residents cannot deposit USD or link bank accounts.", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": "1906829", "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 190, "crypto_count_note": "'190+ digital assets' per official homepage, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0, "spot_taker_pct": 0.019, "simple_buy_fee": "Spread built into the price for Buy, Sell and Convert; varies by asset, payment method and market conditions", "trading_fee_note": "Tier I pairs 0.00% maker / 0.0190% taker; Tier 0 (BNB/USD) 0.00% / 0.0095%; taker falls to 0.0095% at $500M 30-day volume; 5% discount when paying fees in BNB", "ach_deposit": "Free", "wire_deposit": "$0 (bank may charge)", "card_purchase": "3.99%", "usd_withdrawal": "ACH free; wire $25", "crypto_withdrawal": "Dynamic fee shown before withdrawal", "other_fees": null, "fees_url": "https://www.binance.us/fees" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Debit card", "Credit card", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Site states customer funds are held 1:1; no independent attestation was verified", "incidents": [ { "year": 2023, "type": "enforcement", "summary": "The SEC sued Binance, BAM Trading and Changpeng Zhao on June 5, 2023; the case was dismissed with prejudice by joint stipulation on May 29, 2025.", "source": "https://www.sec.gov/enforcement-litigation/litigation-releases/lr-26316" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "111K", "ios_ratings_n": 111068, "ios_url": "https://apps.apple.com/us/app/binance-us-buy-crypto-btc/id1492670702", "ios_app_name": "Binance.US - Buy Crypto & BTC" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Low order-book fees", "summary": "Binance.US is the US exchange operated by BAM Trading Services Inc. (NMLS 1906829). Its published schedule lists 0.00% maker and 0.0190% taker fees on most pairs and 190+ digital assets. Per its June 2026 list it does not serve 12 states, including New York, Texas and Washington, and Kansas and Wisconsin accounts are crypto-only. An SEC lawsuit filed in 2023 was dismissed in May 2025.", "pros": [ "0.00% maker and 0.0190% taker on most pairs", "190+ digital assets listed", "Free ACH deposits and withdrawals" ], "cons": [ "Unavailable in 12 states including New York and Texas", "Kansas and Wisconsin accounts cannot use USD", "Card purchases cost 3.99%" ], "sources": [ "https://www.binance.us/fees", "https://support.binance.us/en/articles/9842798-list-of-supported-states-and-regions", "https://www.binance.us/", "https://www.sec.gov/enforcement-litigation/litigation-releases/lr-26316", "https://apps.apple.com/us/app/binance-us-buy-crypto-btc/id1492670702" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6.1, "pillars": { "access": 5, "regulation": 1, "security": 6.3, "cost": 9.9, "range": 9.6, "popularity": 7.6, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "binance-us", "rank": 32, "category_rank": 11 }, { "id": "exodus", "name": "Exodus", "category": "wallet_swap", "website": "https://www.exodus.com", "operator_us": "Exodus Movement, Inc.", "parent_company": "Exodus Movement, Inc. (NYSE American: EXOD)", "founded_year": 2015, "hq": null, "us_status": "available", "us_status_note": "Operator is a Delaware corporation; its terms (v29, dated 2024-02-19) say third-party API providers may be geo-blocked in certain US states.", "us_status_source": "https://www.exodus.com/legal/exodus-tos-20240219-v29.pdf", "states_not_served": null, "states_note": "Buying goes through third parties: XO Ramp not in NY or VT; PayPal not in HI; Robinhood Connect not in HI, NY or NC; Blockchain.com Pay covers a listed subset of states.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "NYSE American: EXOD", "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Homepage claims '1,000,000+ assets' (global marketing figure)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Third-party providers; card, bank account, Apple Pay and Google Pay listed", "trading_fee_note": "Swap 'rates start as low as 0.5%' per homepage; Exodus says it does not charge transaction fees beyond network fees", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://www.exodus.com/" }, "min_deposit_usd": null, "funding_methods": [ "Credit card", "Debit card", "Bank account", "Apple Pay", "Google Pay", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Exodus Pay with an Exodus Card is advertised; US eligibility not verified.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": true, "android": true, "desktop": true, "ios_rating": 4.6, "ios_ratings_count": "37K", "ios_ratings_n": 37457, "ios_url": "https://apps.apple.com/us/app/exodus-crypto-payments/id1414384820", "ios_app_name": "Exodus: Crypto & Payments" }, "support_channels": [ "24/7 customer support", "Help center" ], "dex": { "chains": [ "Bitcoin", "Ethereum", "Solana" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "Swap rates 'start as low as 0.5%' (spread via third-party providers)", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Desktop multi-asset wallet", "summary": "Exodus is a self-custody wallet from Exodus Movement, Inc., a Delaware company listed on NYSE American as EXOD and operating since 2015. It runs on Windows, macOS, Linux, iOS and Android, with Trezor and Ledger integration. Swaps go through third-party providers at rates starting from 0.5%, and some providers are geo-blocked in certain US states.", "pros": [ "Publicly listed operator (NYSE American: EXOD)", "Desktop apps for Windows, macOS and Linux", "Trezor and Ledger hardware wallet integration" ], "cons": [ "Swap providers geo-blocked in unspecified US states", "Swap cost is a spread starting at 0.5%", "Restricted states are not published in the terms" ], "sources": [ "https://www.exodus.com/", "https://www.exodus.com/legal/exodus-tos-20240219-v29.pdf", "https://www.exodus.com/support/en/articles/8598616-how-can-i-buy-bitcoin-and-crypto", "https://apps.apple.com/us/app/exodus-crypto-payments/id1414384820" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.6, "popularity": 6.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "exodus", "rank": 33, "category_rank": 4 }, { "id": "phantom", "name": "Phantom", "category": "wallet_swap", "website": "https://phantom.com", "operator_us": "Phantom Technologies, Inc.", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Terms (fetched 2026-10-05) exclude only sanctioned jurisdictions; CoinDesk reported CFTC no-action relief for Phantom on 2026-03-17.", "us_status_source": "https://phantom.com/terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.85% Phantom fee on most swaps, plus network fee and price impact", "trading_fee_note": "Swapping USDC, USDT, USDG or PYUSD into the Cash account is free; some flows such as perps deposits carry no Phantom fee", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://help.phantom.com/hc/en-us/articles/5985106844435" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Site advertises perps, prediction markets (Kalshi integration reported Dec 2025), a desktop trading Terminal and Phantom Cash with a Visa card; US state eligibility for these was not verified.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "64K", "ios_ratings_n": 64240, "ios_url": "https://apps.apple.com/us/app/phantom-trading-wallet/id1598432977", "ios_app_name": "Phantom: Trading Wallet" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Solana", "Ethereum", "Bitcoin", "Robinhood Chain", "HyperEVM" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "0.85% on select swap pairs; cross-chain bridge fee typically 0.1%-0.5% (LI.FI)", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Solana users", "summary": "Phantom is a self-custody wallet from Phantom Technologies, Inc. covering Solana, Ethereum, Bitcoin and other networks, with a stated community of 20+ million users. Its help center lists a 0.85% fee on select swap pairs and free stablecoin swaps into a Cash account. KYC may be required by third parties for Phantom Cash features.", "pros": [ "Published 0.85% fee applies only to select pairs", "Free stablecoin swaps into a Phantom Cash account", "CFTC no-action relief reported in March 2026" ], "cons": [ "Cross-chain swaps add bridge fees of roughly 0.1%-0.5%", "Phantom Cash features may require third-party KYC", "Fiat purchase providers not named in terms" ], "sources": [ "https://phantom.com/", "https://phantom.com/terms", "https://help.phantom.com/hc/en-us/articles/5985106844435", "https://help.phantom.com/hc/en-us/articles/45212427388179", "https://help.phantom.com/hc/en-us/articles/51384804802195", "https://www.coindesk.com/policy/2026/03/17/phantom-wins-cftc-no-action-relief-clearing-path-for-crypto-wallet-access-to-regulated-derivatives-markets", "https://www.coindesk.com/business/2025/12/12/prediction-markets-are-coming-to-phantom-s-20m-user-via-kalshi", "https://apps.apple.com/us/app/phantom-trading-wallet/id1598432977" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 7.1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "phantom", "rank": 34, "category_rank": 5 }, { "id": "trust-wallet", "name": "Trust Wallet", "category": "wallet_swap", "website": "https://trustwallet.com", "operator_us": "DApps Platform Software Services Ltd. (App Store seller)", "parent_company": null, "founded_year": 2017, "hq": null, "us_status": "available", "us_status_note": "Trust Wallet's terms (last updated Jan 1, 2024) exclude only comprehensively US-sanctioned jurisdictions such as Cuba, Iran and North Korea, and the app is listed on the US App Store (checked Oct 5, 2026).", "us_status_source": "https://trustwallet.com/terms-of-service", "states_not_served": null, "states_note": "Buy and staking features rely on third parties; state coverage not verified.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Terms governed by Hong Kong law" }, "assets": { "crypto_count_us": null, "crypto_count_note": "'100+ blockchains and 10+ million assets' per US App Store listing", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Swap FAQ: no additional Trust Wallet service fee; provider and network fees are in the quote", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://trustwallet.com/swap" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Self-custody mobile wallet and browser extension with in-app swaps (including cross-chain), buying via partners, staking and DApp browser.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2025, "type": "hack", "summary": "December 2025: compromised browser extension version 2.68 led to about $7M in user losses; Trust Wallet pledged full refunds.", "source": "https://x.com/TrustWallet/status/2004475085168795941" } ] }, "apps": { "web": null, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "199K", "ios_ratings_n": 199117, "ios_url": "https://apps.apple.com/us/app/trust-crypto-bitcoin-wallet/id1288339409", "ios_app_name": "Trust: Crypto & Bitcoin Wallet" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Ethereum", "Solana", "BNB Chain" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "Swap FAQ says no extra Trust Wallet fee; promotions advertise 0% Trust Wallet fee on some pairs", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Multichain mobile self-custody", "summary": "Trust Wallet is a self-custody wallet founded in 2017, offered on iOS, Android and as a browser extension. The US App Store listing cites support for 100+ blockchains and in-app buying and swapping. Its terms exclude only US-sanctioned jurisdictions. In December 2025 a compromised browser extension release caused about $7 million in losses, which Trust Wallet pledged to refund.", "pros": [ "Terms exclude only US-sanctioned jurisdictions", "100+ blockchains supported, per App Store listing", "4.7 App Store rating from 199K ratings" ], "cons": [ "Browser extension compromise cost users about $7M in 2025", "Swap fee wording conflicts across official pages", "No US entity or registration disclosed" ], "sources": [ "https://trustwallet.com/terms-of-service", "https://apps.apple.com/us/app/trust-crypto-bitcoin-wallet/id1288339409", "https://trustwallet.com/swap", "https://trustwallet.com/about-us", "https://x.com/TrustWallet/status/2004475085168795941" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "trust-wallet", "score": { "total": 6, "pillars": { "access": 9, "regulation": 3, "security": 5.5, "cost": 5, "range": 4.5, "popularity": 8.1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 35, "category_rank": 6 }, { "id": "public-crypto-ira", "name": "Public Crypto IRA", "category": "crypto_ira", "website": "https://public.com/invest/crypto-ira", "operator_us": "Alto Trust Co. (IRA custodian); zerohash llc and zerohash trust company llc (crypto services)", "parent_company": "Public (Public Holdings, Inc.; not verified)", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "As of Oct 2026 Public offers Traditional and Roth crypto IRAs custodied by Alto Trust Co. with crypto services from zerohash; the page says services may not be available in all states.", "us_status_source": "https://public.com/invest/crypto-ira", "states_not_served": null, "states_note": "'Services may not be available in all states'; excluded states not listed", "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": "Alto Trust Co. is a New Mexico trust company; zerohash trust company llc is a North Carolina chartered trust company", "public_company": null, "other": "Crypto execution by zerohash llc (NMLS 1699379, NY BitLicense)" }, "assets": { "crypto_count_us": 40, "crypto_count_note": "'40+ crypto coins' per official page, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "$0.49 flat on orders up to $10, scaling to 1.25% of order amount on orders above $500", "trading_fee_note": "Investment Plan (recurring) crypto orders: 1.25%. API crypto: 0.60% at $0-$10K monthly volume down to 0.10% at $100M+.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "No Public fee; network fee plus a $0.53 KYT fee", "other_fees": "Crypto IRA custodial fee 0.05% per month, accrued daily and charged monthly in arrears; waived for Public Reserve members", "fees_url": "https://public.com/disclosures/fee-schedule" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": true, "crypto_card": null, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Traditional and Roth crypto IRAs with a 1% match on annual contributions up to the IRS limit ($7,500 in 2026); matched funds must stay 5 years to avoid an early removal fee.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "85K", "ios_ratings_n": 85288, "ios_url": "https://apps.apple.com/us/app/public-invest-trade/id1204112719", "ios_app_name": "Public: Invest & Trade" }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Low-cost crypto IRA", "summary": "Public's Crypto IRA, the successor to Alto CryptoIRA, offers Traditional and Roth accounts holding 40+ cryptocurrencies. Alto Trust Co., a New Mexico trust company, is the IRA custodian and zerohash executes and holds the crypto. Trades cost up to 1.25%, and a 0.05% monthly custodial fee applies. Public adds a 1% match on annual contributions, subject to a five-year hold.", "pros": [ "1% match on annual IRA contributions", "40+ cryptocurrencies in Traditional or Roth IRAs", "Published fee schedule: up to 1.25% per trade" ], "cons": [ "0.05% monthly custodial fee unless a Reserve member", "Match must stay five years to avoid a removal fee", "Not available in all states; exclusions not listed" ], "sources": [ "https://public.com/invest/crypto-ira", "https://public.com/disclosures/fee-schedule", "https://docs.zerohash.com/page/us-licenses-and-disclosures", "https://apps.apple.com/us/app/public-invest-trade/id1204112719" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6, "pillars": { "access": 9, "regulation": 1.5, "security": 6, "cost": 5, "range": 7.6, "popularity": 7.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "public-crypto-ira", "rank": 36, "category_rank": 1 }, { "id": "bullish", "name": "Bullish", "category": "cex", "website": "https://www.bullish.com/us", "operator_us": "Bullish US Operations LLC", "parent_company": "Bullish (NYSE: BLSH)", "founded_year": 2020, "hq": "George Town, Cayman Islands (parent); New York, NY (US entity)", "us_status": "limited", "us_status_note": "Opened to US institutions and individual traders on Oct 1, 2025 in 20 jurisdictions with a waitlist elsewhere; its US site still says services are available only 'in select locations' (checked Oct 5, 2026).", "us_status_source": "https://www.bullish.com/us/news-insights/bullish-launches-in-the-us-offering-institutions-and-advanced-traders-a-new-standard-in-digital-asset-trading", "states_not_served": null, "states_note": "Launch jurisdictions (Oct 2025): AZ, AR, CA, CO, DE, FL, HI, IN, MI, MO, MT, NH, NM, NY, UT, VA, WV, WY, DC and Puerto Rico. The license page (updated Sept 30, 2026) lists licenses in about 30 states plus DC and Puerto Rico and 13 states where no license is required; GA, LA, ME, NV, NC, TN and TX appear in neither list. A current list of states open for sign-up was not found.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2383000", "ny_license": "BitLicense", "state_licenses_note": "NYDFS virtual currency license no. 0000046 and NY money transmitter license; money transmitter licenses in about 30 states, DC and Puerto Rico", "cftc_nfa": "None yet; Q1 2026 results say Bullish filed for DCM and DCO licenses", "sec_finra": null, "bank_charter": null, "public_company": "NYSE: BLSH", "other": "Affiliates regulated by BaFin (Germany), SFC (Hong Kong) and GFSC (Gibraltar); agreement to acquire Equiniti for $4.2 billion announced May 2026" }, "assets": { "crypto_count_us": null, "crypto_count_note": "US market list not published on the pages checked", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0, "spot_taker_pct": 0.005, "simple_buy_fee": null, "trading_fee_note": "Fee schedule effective Oct 1, 2026: individuals pay 0 bps maker / 0.5 bps taker on standard spot markets and 0 / 0 on promotional markets; the US individuals page advertises '0% trading fees for individual accounts'", "ach_deposit": null, "wire_deposit": "Free", "card_purchase": null, "usd_withdrawal": "Fedwire $30; CUBIX instant transfer free", "crypto_withdrawal": "Per-asset fee, e.g. 0.00006 BTC, 0.0025 ETH, 5 USDC", "other_fees": null, "fees_url": "https://support.exchange.bullish.com/wiki/spaces/BHC/pages/9373547" }, "min_deposit_usd": null, "funding_methods": [ "Wire", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": null, "ira": false, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "US accounts trade spot only; Bullish states its derivatives are not available in the US. The venue targets institutions and 'advanced' individual traders, with REST and FIX APIs.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "10", "ios_ratings_n": 10, "ios_url": "https://apps.apple.com/us/app/bullish-buy-bitcoin-crypto/id6740187901", "ios_app_name": "Bullish: Buy Bitcoin & Crypto" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "High-volume spot traders", "summary": "Bullish is a NYSE-listed exchange (BLSH) whose US unit, Bullish US Operations LLC, holds a New York BitLicense and money transmitter licenses in about 30 states. It opened to institutions and individual traders on October 1, 2025 in 20 jurisdictions, with a waitlist elsewhere. US accounts trade spot only; derivatives are not offered. The fee schedule lists 0 bps maker and 0.5 bps taker for individuals.", "pros": [ "New York BitLicense and NYSE-listed parent (BLSH)", "Fee schedule: 0 bps maker, 0.5 bps taker for individuals", "REST and FIX APIs; iOS and Android apps" ], "cons": [ "Spot only in the US; derivatives not offered", "Launched in 20 jurisdictions; current state list not published", "USD Fedwire withdrawals cost $30" ], "sources": [ "https://www.bullish.com/us", "https://www.bullish.com/us/individuals", "https://www.bullish.com/us/licenses-and-disclosures", "https://www.bullish.com/us/news-insights/bullish-launches-in-the-us-offering-institutions-and-advanced-traders-a-new-standard-in-digital-asset-trading", "https://support.exchange.bullish.com/wiki/spaces/BHC/pages/9373547", "https://www.bullish.com/us/news-insights/bullish-reports-first-quarter-2026-results", "https://www.bullish.com/us/spot", "https://www.bullish.com/us/news-insights", "https://cointelegraph.com/news/bullish-expands-20-us-states-receiving-licenses", "https://en.wikipedia.org/wiki/Bullish", "https://apps.apple.com/us/app/bullish-buy-bitcoin-crypto/id6740187901" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 6, "pillars": { "access": 5, "regulation": 8.5, "security": 6, "cost": 10, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "bullish", "rank": 37, "category_rank": 12 }, { "id": "webot", "name": "Webot (formerly Pionex.US)", "category": "cex", "website": "https://www.webot.com", "operator_us": "Pionex Inc. (Delaware), operating as Webot", "parent_company": null, "founded_year": null, "hq": "Princeton, NJ, USA", "us_status": "available", "us_status_note": "Pionex.US now operates as Webot; its help center (updated Feb. 4, 2026) lists only Alaska, Hawaii and New York, plus three US territories, as unsupported.", "us_status_source": "https://webot.zendesk.com/hc/en-us/articles/14868695111439-List-of-Unsupported-States", "states_not_served": [ "AK", "HI", "NY" ], "states_note": "Also unavailable in Guam, Puerto Rico and American Samoa. The Oct. 19, 2024 Pionex.US user agreement also named Georgia as excluded; the Feb. 2026 help-center list does not.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2284360", "ny_license": "None", "state_licenses_note": "App Store listing says 'Licensed in 48 States' under NMLS #2284360; individual state licenses were not checked on NMLS Consumer Access", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Website also cites an EU crypto-asset service authorization under MiCA for its EU business" }, "assets": { "crypto_count_us": null, "crypto_count_note": "App listings say 'hundreds' of cryptocurrencies; the official coin list page did not load, so no exact count", "stablecoins_note": "USDT and USDC are both named in the US app listings" }, "fees": { "spot_maker_pct": 0.1, "spot_taker_pct": 0.5, "simple_buy_fee": "Convert has no fee; spread or slippage may apply", "trading_fee_note": "Flat 0.1% maker / 0.5% taker with no published volume tiers (help center, updated Mar. 31, 2026); built-in bots carry no separate fee", "ach_deposit": "Free", "wire_deposit": "$20", "card_purchase": "Debit card deposit: 2.9% + $0.30", "usd_withdrawal": "ACH $12; wire $20; $50 minimum", "crypto_withdrawal": "Per-asset fee shown at withdrawal; the official fee table did not load", "other_fees": "Recovery of unsupported crypto sent by mistake: $20 to $65", "fees_url": "https://www.webot.com/us/en/fees" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Debit card", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": true, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Free built-in bots (grid, DCA/martingale, rebalancing; the site says 11, the app listing 16). Help center says leverage and margin trading cannot be offered 'due to licensing limitations'. The Google Play listing mentions yield on idle funds; terms were not verified.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "User agreement states accounts are not protected by FDIC insurance", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "96", "ios_ratings_n": 96, "ios_url": "https://apps.apple.com/us/app/webot-formerly-pionex-us/id6756113418", "ios_app_name": "Webot (Formerly Pionex.US)" }, "support_channels": [ "24/7 live chat", "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Built-in trading bots", "summary": "Webot is the new name of Pionex.US, a US crypto exchange built around free automated trading bots such as grid, DCA and rebalancing strategies. It is a FinCEN-registered money services business (NMLS #2284360) that accepts residents of 47 states and DC, but not New York, Alaska or Hawaii. Spot fees are 0.1% maker and 0.5% taker; margin trading is not offered.", "pros": [ "Free built-in grid, DCA and rebalancing bots", "Free ACH deposits and a 0.1% maker fee", "24/7 live chat and email support" ], "cons": [ "Not available in New York, Alaska or Hawaii", "$12 ACH and $20 wire withdrawal fees", "No margin or leverage trading" ], "sources": [ "https://www.webot.com/", "https://www.webot.com/us/en/fees", "https://webot.zendesk.com/hc/en-us/articles/14868695111439-List-of-Unsupported-States", "https://webot.zendesk.com/hc/en-us/articles/14868792707727-What-are-the-Trading-Fees-on-Webot", "https://webot.zendesk.com/hc/en-us/articles/14868792679823-Unavailability-of-Leverage-and-Margin-Trading", "https://webot.zendesk.com/hc/en-us/articles/15087993791631-How-to-Contact-Webot-Support", "https://apps.apple.com/us/app/webot-formerly-pionex-us/id6756113418", "https://play.google.com/store/apps/details?id=com.webot&hl=en_US", "https://www.pionex.us/blog/pionex-us-user-agreement/", "https://www.trustpilot.com/review/pionex.us", "https://webot.zendesk.com/hc/en-us/articles/14868695066511-How-to-Convert-Cryptocurrency" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.9, "pillars": { "access": 9.8, "regulation": 4, "security": 7, "cost": 7, "range": 4.6, "popularity": 1.5, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "webot", "rank": 38, "category_rank": 13 }, { "id": "okx", "name": "OKX", "category": "cex", "website": "https://www.okx.com/en-us", "operator_us": null, "parent_company": null, "founded_year": 2013, "hq": "San Jose, CA, USA", "us_status": "available", "us_status_note": "OKX relaunched in the United States in April 2025 after a February 2025 DOJ plea and runs a US site showing NMLS #1767779; state coverage was not verified.", "us_status_source": "https://www.okx.com/en-us", "states_not_served": [ "NY" ], "states_note": "OKX INC. also does not serve American Samoa, Guam, Northern Mariana Islands and the U.S. Virgin Islands.", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": "1767779", "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.2, "spot_taker_pct": 0.35, "simple_buy_fee": "Convert has no separate fee; cost is the spread built into the quoted price", "trading_fee_note": "Regular user 0.20% maker / 0.35% taker; VIP tiers by assets or 30-day volume down to -0.0025% maker / 0.02% taker", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.okx.com/en-us/fees" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2025, "type": "enforcement", "summary": "Aux Cayes Fintech Co. Ltd (OKX) pleaded guilty on Feb 24, 2025 to operating an unlicensed money transmitting business and agreed to pay over $504 million.", "source": "https://www.justice.gov/usao-sdny/pr/okx-pleads-guilty-violating-us-anti-money-laundering-laws-and-agrees-pay-penalties" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "23K", "ios_ratings_n": 22815, "ios_url": "https://apps.apple.com/us/app/okx-buy-bitcoin-btc-crypto/id1327268470", "ios_app_name": "OKX: Buy Bitcoin BTC & Crypto" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Active spot traders", "summary": "OKX, which began as Okcoin in 2013, relaunched for US customers in April 2025 with a headquarters in San Jose, California, after its Seychelles affiliate pleaded guilty in February 2025 to operating an unlicensed money transmitting business and agreed to pay over $504 million. The US site lists NMLS #1767779. US fee tiers, asset count and state coverage could not be verified.", "pros": [ "US relaunch in April 2025 with San Jose headquarters", "US site displays NMLS #1767779", "Intercontinental Exchange invested in March 2026" ], "cons": [ "Affiliate pleaded guilty to a federal charge in 2025", "US fees and state coverage not verified here" ], "sources": [ "https://www.okx.com/en-us", "https://www.okx.com/en-us/fees", "https://www.justice.gov/usao-sdny/pr/okx-pleads-guilty-violating-us-anti-money-laundering-laws-and-agrees-pay-penalties", "https://en.wikipedia.org/wiki/OKX", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://www.okx.com/en-us/help/trading-fee-rules-faq", "https://www.okx.com/en-us/help/us-licenses", "https://apps.apple.com/us/app/okx-buy-bitcoin-btc-crypto/id1327268470" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.8, "pillars": { "access": 9.9, "regulation": 1, "security": 5.3, "cost": 7.9, "range": 4, "popularity": 6.2, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "okx", "rank": 39, "category_rank": 14 }, { "id": "river", "name": "River", "category": "bitcoin_only", "website": "https://river.com", "operator_us": "River Financial Inc.", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "River accepts US citizens and permanent residents whose primary residence is in a supported state and says it is 'not available in all states' (official site and help center, checked Oct 2026).", "us_status_source": "https://support.river.com/hc/en-us/articles/45481116700179-How-do-I-create-a-River-account", "states_not_served": [ "NV", "NY" ], "states_note": "River says it supports every US state except Nevada and New York, plus Puerto Rico and Armed Forces addresses (AA, AE, AP); DC is not mentioned (help article updated Apr 12, 2026).", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1906809", "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "River states it is not a bank; USD funds are deposited with Lead Bank, Member FDIC." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1.00% on one-time orders up to $1,000,000, plus a spread typically around 0.25% on buys and 0.50% on sells", "trading_fee_note": "Order-size tiers: 0.70% ($1M-$5M), 0.40% ($5M-$15M), 0.25% ($15M+). Recurring buys are fee-free starting seven days after the order is initiated; payroll direct-deposit conversions are free up to $30,000 per month.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Standard cash withdrawal free; instant withdrawal 1% ($1 minimum, $150 maximum)", "crypto_withdrawal": "On-chain: one free send per month; Standard and Priority sends carry a fee (amounts not published in the help article); Lightning supported, fee not published", "other_fees": "Bitcoin sales for bill payments are fee-free up to $30,000 per month", "fees_url": "https://support.river.com/hc/en-us/articles/50055900679315-What-are-River-s-fees" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Direct deposit", "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": true, "lending_borrowing": null, "recurring_buys": true, "crypto_card": null, "stocks_etfs": false, "ira": null, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": true }, "products_note": "Bitcoin only. Cash balances earn interest paid in bitcoin (3.50% shown on Oct 3, 2026); Target Price Orders, bitcoin auto-withdrawals, River Link, bill pay and payroll direct deposit; on-chain and Lightning transfers.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - monthly, published by River (no external auditor named)", "proof_of_reserves_url": "https://river.com/security", "audits_certifications": "SOC 2 (River describes itself as 'SOC II compliant')", "insurance_note": "Cash is FDIC-insured up to $250,000 through Lead Bank; bitcoin is not FDIC-insured. River says 100% of client bitcoin is kept in cold storage and is not lent out.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.9, "ios_ratings_count": "8.9K", "ios_ratings_n": 8907, "ios_url": "https://apps.apple.com/us/app/river-buy-bitcoin/id1536176542", "ios_app_name": "River: Buy Bitcoin" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Fee-free recurring buys", "summary": "River is a Bitcoin-only brokerage operated by River Financial Inc. (NMLS 1906809) for US residents in supported states. One-time orders cost 1% up to $1 million plus a spread of roughly 0.25% on buys, while recurring buys are fee-free after seven days. Client bitcoin is held in cold storage with monthly proof of reserves, and cash earns interest paid in bitcoin.", "pros": [ "Zero-fee recurring buys starting seven days after setup", "Monthly proof of reserves; client bitcoin kept in cold storage", "Cash earns 3.50% interest paid in bitcoin (October 2026)" ], "cons": [ "1% fee plus spread on one-time orders", "Not available in all states, per River's own disclosure", "Only one free on-chain withdrawal per month" ], "sources": [ "https://river.com/", "https://river.com/legal/licenses", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://support.river.com/hc/en-us/articles/45684651229715-Which-states-are-supported-by-River", "https://apps.apple.com/us/app/river-buy-bitcoin/id1536176542" ], "confidence": "medium", "as_of": "2026-10-05", "verified": { "operator_us": "River Financial Inc.", "regulation": { "nmls_id": "1906809" }, "states_note": "Homepage states services are not available in all states; New York does not appear in River's published license table" }, "not_verified": [ "Exact list of states not served", "ny_available (likely false, not explicitly stated)" ], "score": { "total": 5.8, "pillars": { "access": 9.8, "regulation": 1, "security": 9.5, "cost": 5, "range": 2.6, "popularity": 5.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "river", "rank": 40, "category_rank": 3 }, { "id": "uniswap", "name": "Uniswap", "category": "dex", "website": "https://app.uniswap.org", "operator_us": "Universal Navigation Inc. (d/b/a Uniswap Labs)", "parent_company": null, "founded_year": 2018, "hq": "New York, NY, USA", "us_status": "available", "us_status_note": "Uniswap Labs Terms of Service (last modified March 21, 2024, New York law) bar only sanctioned persons and residents of comprehensively sanctioned jurisdictions; US persons are not excluded.", "us_status_source": "https://uniswap.org/terms-of-service", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No Uniswap Labs interface fee since Dec 27, 2025; pool fee (v3: 0.01%-1%) and gas apply", "trading_fee_note": "Interface and wallet fee 0%; v2 pools 0.30%, v3 tiers 0.01/0.05/0.30/1%, v4 pools set any fee", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://support.uniswap.org/hc/en-us/articles/20131678274957-What-are-Uniswap-Labs-fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": false }, "products_note": "Uniswap Labs also publishes the Uniswap Wallet (self-custody).", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2024, "type": "settlement", "summary": "CFTC order on Sept 4, 2024: Uniswap Labs paid a $175,000 civil penalty over leveraged tokens offered to retail users through the protocol interface.", "source": "https://www.cftc.gov/PressRoom/PressReleases/8961-24" }, { "year": 2020, "type": "exploit", "summary": "Reentrancy attack on Uniswap v1 on Apr 18, 2020, about $220,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/uniswap" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": false, "ios_rating": 4.9, "ios_ratings_count": "20K", "ios_ratings_n": 19810, "ios_url": "https://apps.apple.com/us/app/uniswap-crypto-nft-wallet/id6443944476", "ios_app_name": "Uniswap: Crypto & NFT Wallet" }, "support_channels": null, "dex": { "chains": [ "Ethereum", "Base", "Robinhood Chain", "Arbitrum", "BSC", "Polygon" ], "model": "CLMM", "protocol_fee_note": "v3 pool fee tiers 0.01%, 0.05%, 0.3%, 1%; v4 pools set flexible fees. Since the UNIfication vote (Dec 25, 2025) all v2 pools and certain v3 pools carry a protocol fee used to burn UNI (v2: 0.25% to LPs + 0.05% protocol, per Wikipedia).", "interface_fee_note": "0%: 'As of December 27, 2025 Uniswap Labs does not charge interface fees.'", "tvl_usd": 3971000000, "volume_30d_usd": 90950000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/uniswap", "governance_token": "UNI", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Deepest on-chain liquidity", "summary": "Uniswap is a non-custodial automated market maker launched in November 2018 and run through an interface by New York-based Uniswap Labs. DefiLlama showed $3.97 billion in total value locked and $90.95 billion in 30-day volume on October 5, 2026, across 49 chains. Uniswap Labs has charged no interface fee since December 27, 2025; pool fees and gas still apply.", "pros": [ "$90.95 billion 30-day volume across 49 chains", "Uniswap Labs interface fee is 0% since December 2025", "Terms do not exclude US persons" ], "cons": [ "Gas fees and pool fees of 0.01%-1% apply", "No fiat account, customer support desk, or insurance", "Paid $175,000 CFTC penalty in September 2024" ], "sources": [ "https://uniswap.org/terms-of-service", "https://support.uniswap.org/hc/en-us/articles/20131678274957-What-are-Uniswap-Labs-fees", "https://docs.uniswap.org/concepts/protocol/fees", "https://en.wikipedia.org/wiki/Uniswap", "https://defillama.com/protocol/uniswap", "https://www.cftc.gov/PressRoom/PressReleases/8961-24", "https://developers.uniswap.org/docs/get-started/concepts/fees", "https://apps.apple.com/us/app/uniswap-crypto-nft-wallet/id6443944476" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 5.8, "pillars": { "access": 9, "regulation": 3, "security": 5, "cost": 5, "range": 4.5, "popularity": 6.1, "data_quality": 10 }, "cost_basis": "default" }, "slug": "uniswap", "rank": 41, "category_rank": 1 }, { "id": "plus500-futures", "name": "Plus500 Futures", "category": "derivatives", "website": "https://us.plus500.com/en/", "operator_us": "Plus500US Financial Services LLC d/b/a Plus500", "parent_company": "Plus500 Ltd (London Stock Exchange Main Market; FTSE 250)", "founded_year": 2008, "hq": "Chicago, IL, USA (US entity)", "us_status": "available", "us_status_note": "Plus500US Financial Services LLC, a CFTC-registered FCM (NFA ID 0001398), offers nine micro crypto futures to US retail customers as of Oct 2026; approval is subject to review.", "us_status_source": "https://us.plus500.com/en/markets/crypto", "states_not_served": null, "states_note": "No state exclusions were found on the pages reviewed; the site says trading privileges are subject to review and not all applicants qualify.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "FCM registered with the CFTC and NFA member: Plus500US Financial Services LLC (NFA ID 0001398); full member of CME Group; ICE Clear US clearing member since 2025", "sec_finra": null, "bank_charter": null, "public_company": "London Stock Exchange Main Market (parent Plus500 Ltd, FTSE 250 constituent)", "other": null }, "assets": { "crypto_count_us": 9, "crypto_count_note": "Nine micro crypto futures on the official crypto markets page, Oct 2026: BTC, ETH, SOL, XRP, XLM, ADA, LINK, AVAX, SUI; no spot crypto", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "$0.49 commission per micro futures contract per side, plus exchange, clearing and NFA fees", "trading_fee_note": "Commission $0.49 per Micro and $0.89 per Standard contract per side; $10 auto-liquidation fee per contract; NFA fee $0.02 per side; CME exchange/clearing fees extra", "ach_deposit": "Free (bank transfer)", "wire_deposit": null, "card_purchase": "Free (debit card deposit)", "usd_withdrawal": "1.75% of the amount (minimum $1, maximum $150); first withdrawal each month is free", "crypto_withdrawal": null, "other_fees": "$10 per contract liquidation fee; no inactivity, platform, routing or market data fees", "fees_url": "https://us.plus500.com/en/feescharges" }, "min_deposit_usd": 10, "funding_methods": [ "Bank transfer", "Debit card", "Apple Pay", "Google Pay" ], "products": { "spot": false, "advanced_trading": true, "futures": true, "perpetuals": false, "options": null, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": null, "otc_desk": false, "api": null, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": true, "tax_documents": null }, "products_note": "Futures and prediction markets in one app. Crypto exposure is through nine micro futures contracts only; there is no spot crypto and nothing to withdraw on-chain. Customer funds are held in segregated bank accounts, per Plus500.", "custody_model": "custodial", "security": { "proof_of_reserves": "N/A (cash-settled futures; no customer crypto held)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Plus500 states customer funds are held in a segregated bank account, separate from company funds", "incidents": [] }, "apps": { "web": null, "ios": true, "android": true, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "11K", "ios_ratings_n": 11047, "ios_url": "https://apps.apple.com/us/app/plus500-trading-investing/id6443583569", "ios_app_name": "Plus500 Trading & Investing" }, "support_channels": [ "24/7 live chat", "Email" ], "dex": null, "derivatives": { "contracts": [ "Micro Bitcoin futures", "Micro Ether futures", "Micro SOL futures", "Micro XRP futures", "Micro Lumens (XLM) futures", "Micro ADA futures", "Micro LINK futures", "Micro AVAX futures", "Micro SUI futures" ], "access": "Direct retail app (Plus500US Financial Services LLC is the broker and FCM)", "fee_note": "$0.49 per side for micro contracts ($0.89 standard) plus exchange fees and a $0.02 NFA fee per side; $10 per contract if Plus500 liquidates the position.", "leverage_note": "Day margins listed Oct 2026: Micro Bitcoin $80, Micro Ether $15, Micro SOL $150, Micro XRP $215, Micro Lumens $400, Micro ADA $500, Micro LINK $400, Micro AVAX $900, Micro SUI $1,200." }, "best_for": "Small-account futures traders", "summary": "Plus500 Futures is the US futures platform of Plus500US Financial Services LLC, a CFTC-registered futures commission merchant owned by London-listed Plus500 Ltd. It offers nine micro crypto futures, including Bitcoin, Ether, Solana and XRP, at $0.49 per contract side plus exchange and NFA fees. The minimum deposit is $10. Withdrawals after the first each month cost 1.75%, and there is no spot crypto.", "pros": [ "$10 minimum deposit; no platform, data or inactivity fees", "Nine micro crypto futures at $0.49 per side", "Day margin of $80 for Micro Bitcoin futures" ], "cons": [ "Withdrawal fee of 1.75% after first free monthly withdrawal", "$10 per-contract fee when positions are liquidated", "No phone support; contact is by chat or email" ], "sources": [ "https://us.plus500.com/en/", "https://us.plus500.com/en/feescharges", "https://us.plus500.com/en/markets/crypto", "https://us.plus500.com/en/aboutus", "https://us.plus500.com/en/prediction-markets", "https://apps.apple.com/us/app/plus500-trading-investing/id6443583569" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.8, "pillars": { "access": 9, "regulation": 2.5, "security": 7, "cost": 5, "range": 5.3, "popularity": 5.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "plus500-futures", "rank": 42, "category_rank": 1 }, { "id": "tradestation", "name": "TradeStation", "category": "derivatives", "website": "https://www.tradestation.com", "operator_us": "TradeStation Securities, Inc.", "parent_company": "TradeStation Group, Inc. (Monex Group, Inc. of Japan acquired TradeStation in 2011)", "founded_year": 1982, "hq": "Plantation, FL, USA", "us_status": "available", "us_status_note": "TradeStation Securities offers CME crypto futures to US customers; its spot crypto service ended on Feb 22, 2024, and Kraken confirmed buying that business in April 2024.", "us_status_source": "https://www.tradestation.com/pricing/futures-margin-requirements/", "states_not_served": null, "states_note": "No state exclusions were found on the pages reviewed; not explicitly confirmed.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "FCM registered with the CFTC and NFA member (TradeStation Securities, Inc.); CME member", "sec_finra": "SEC-registered broker-dealer; FINRA member (BrokerCheck CRD 39473); SIPC member", "bank_charter": null, "public_company": null, "other": "TradeStation Securities is a wholly owned subsidiary of TradeStation Group, Inc." }, "assets": { "crypto_count_us": 4, "crypto_count_note": "Crypto futures on four underlyings (BTC, ETH, SOL, XRP) per the official futures margin page, Oct 2026; no spot crypto", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Futures commission per contract side by monthly volume: standard $1.75 (0-500 contracts), $1.00 (501-1,000), $0.80 (1,001-10,000), advertised as low as $0.50; micro $0.50, $0.40, $0.30 and $0.25. Exchange, clearing and NFA fees are extra, e.g. $1.15 per side for CME Micro Bitcoin and $0.10 for Micro Ether.", "ach_deposit": null, "wire_deposit": "Free (incoming wires $0)", "card_purchase": null, "usd_withdrawal": "Outgoing wire $25 domestic, $35 international", "crypto_withdrawal": null, "other_fees": "$10 monthly inactivity fee unless minimum activity is met; outgoing account transfer $125; returned ACH $25", "fees_url": "https://www.tradestation.com/pricing/" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Check" ], "products": { "spot": false, "advanced_trading": true, "futures": true, "perpetuals": false, "options": true, "margin": null, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto exposure is through exchange-listed futures (including CME spot-quoted contracts), plus stocks, ETFs and stock options on crypto-related instruments. No spot crypto and no on-chain withdrawals. The options flag refers to listed stock, ETF and futures options, not options on crypto itself. Margin accounts need $2,000.", "custody_model": "custodial", "security": { "proof_of_reserves": "N/A (no customer crypto held)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "SIPC member; the site cites $500,000 of SIPC coverage for securities accounts", "incidents": [ { "year": 2024, "type": "other", "summary": "TradeStation Crypto ended spot crypto trading and withdrawals on February 22, 2024, after announcing its exit in January 2024.", "source": "https://benzinga.com/amp/content/36679407" } ] }, "apps": { "web": true, "ios": true, "android": true, "desktop": true, "ios_rating": 4.5, "ios_ratings_count": "18K", "ios_ratings_n": 18344, "ios_url": "https://apps.apple.com/us/app/tradestation-trade-invest/id581548081", "ios_app_name": "TradeStation - Trade & Invest" }, "support_channels": [ "Live chat", "Phone callback", "Contact form" ], "dex": null, "derivatives": { "contracts": [ "CME Bitcoin (BTC) and Micro Bitcoin (MBT) futures", "CME Ether (ETH) and Micro Ether (MET) futures", "CME Solana (SOL) and Micro Solana (MSL) futures", "CME XRP and Micro XRP (MXP) futures", "CME Spot-Quoted Bitcoin, Ether, Solana and XRP futures (QBTC, QETH, QSOL, QXRP)" ], "access": "Direct retail app (TradeStation Securities is the broker and FCM; contracts trade on CME)", "fee_note": "Commission per side: $0.50 micro and $1.75 standard at the lowest volume tier, falling to $0.25 and $0.50; plus exchange fees ($1.15 Micro Bitcoin, $0.10 Micro Ether, $7.50 Bitcoin, $5.50 Ether per side) and NFA fee.", "leverage_note": "Margins listed Oct 2026: Micro Bitcoin $2,066 intraday initial and overnight; Micro Ether $90; Bitcoin (5 BTC) $51,175 intraday initial and $102,350 overnight." }, "best_for": "Stocks plus crypto futures", "summary": "TradeStation Securities is an SEC-registered broker-dealer and CFTC-registered futures commission merchant that offers exchange-listed Bitcoin, Ether, Solana and XRP futures, including micro and spot-quoted contracts, alongside stocks, ETFs and options. It no longer offers spot crypto: that service ended on February 22, 2024. Futures commissions start at $1.75 per standard and $0.50 per micro contract side, with volume discounts, plus exchange fees.", "pros": [ "One broker for stocks, ETFs, options and crypto futures", "Micro futures commission from $0.50 per side, lower with volume", "SEC-registered broker-dealer and CFTC-registered FCM; SIPC member" ], "cons": [ "No spot crypto since February 2024", "$10 monthly inactivity fee unless activity minimums are met", "Standard futures commission of $1.75 per side at lowest tier" ], "sources": [ "https://www.tradestation.com/", "https://www.tradestation.com/pricing/", "https://www.tradestation.com/pricing/service-fees/", "https://www.tradestation.com/pricing/exchange-execution-and-clearing-fees/", "https://www.tradestation.com/pricing/futures-margin-requirements/", "https://www.tradestation.com/trading-products/futures/", "https://www.tradestation.com/important-information/", "https://benzinga.com/amp/content/36679407", "https://www.theblock.co/post/289720/kraken-acquired-kraken-acquisition-deal", "https://www.businesswire.com/news/home/20250522331339/en/TradeStation-Securities-Joins-CME-Groups-XRP-Futures-Launch-Expanding-Its-Crypto-Derivatives-Offering", "https://apps.apple.com/us/app/tradestation-trade-invest/id581548081" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.8, "pillars": { "access": 9, "regulation": 2.5, "security": 6.7, "cost": 5, "range": 4.7, "popularity": 6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "tradestation", "rank": 43, "category_rank": 2 }, { "id": "coinflip", "name": "CoinFlip", "category": "cash_atm", "website": "https://coinflip.tech", "operator_us": "GPD Holdings LLC", "parent_company": null, "founded_year": null, "hq": "Chicago, IL, USA (not confirmed on an official page)", "us_status": "available", "us_status_note": "As of Oct 2026 CoinFlip lists 5,500+ ATMs worldwide with locations in 48 US states.", "us_status_source": "https://coinflip.tech/fees", "states_not_served": null, "states_note": "Site says ATMs are in 48 states; the two states without ATMs were not identified", "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "1975146", "ny_license": null, "state_licenses_note": "State money transmitter licenses listed on the licenses page; exact count not verified", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "FinCEN MSB #31000291840717. GPD Holdings not found on the NYDFS regulated-entity list." }, "assets": { "crypto_count_us": null, "crypto_count_note": "BTC, ETH, LTC, SOL, XRP and additional tokens per homepage", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Fee percentage not published on pages opened; shown at the kiosk. US crypto ATMs generally charge 6.5% to 20% per Wikipedia (industry figure).", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Promo code for 10% off transaction fees for new customers through 12/31/2026", "fees_url": "https://coinflip.tech/fees" }, "min_deposit_usd": 20, "funding_methods": [ "Cash", "Debit card", "Bank transfer" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Cash kiosks ($20 minimum on first transactions), online debit card purchases, CoinFlip Preferred OTC service by bank transfer, and a CoinFlip wallet app. Transactions are final and non-refundable, with limited state-mandated exceptions for new customers.", "custody_model": "non_custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "923", "ios_ratings_n": 923, "ios_url": "https://apps.apple.com/us/app/coinflip-crypto-wallet/id6502452721", "ios_app_name": "CoinFlip Crypto Wallet" }, "support_channels": [ "24/7 live support", "Phone", "Email" ], "dex": null, "derivatives": null, "best_for": "Cash purchases at kiosks", "summary": "CoinFlip, operated by GPD Holdings LLC, runs more than 5,500 crypto ATMs across 48 US states and six countries. It is a FinCEN-registered money services business (NMLS 1975146). Kiosks accept cash from $20 and sell bitcoin, ether, litecoin, solana and XRP to the buyer's own wallet. Fee percentages are not published online, and transactions are generally non-refundable.", "pros": [ "5,500+ ATMs with locations in 48 states", "FinCEN-registered MSB with NMLS ID 1975146", "24/7 live customer support by phone" ], "cons": [ "Fee percentage not published online", "Transactions are final and non-refundable in most cases", "Crypto ATM fees industry-wide run 6.5% to 20%" ], "sources": [ "https://coinflip.tech/", "https://coinflip.tech/fees", "https://coinflip.tech/licenses", "https://coinflip.tech/terms", "https://en.wikipedia.org/wiki/Bitcoin_ATM", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/coinflip-crypto-wallet/id6502452721" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.7, "pillars": { "access": 9, "regulation": 4, "security": 7, "cost": 5, "range": 4.5, "popularity": 3.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "coinflip", "rank": 44, "category_rank": 2 }, { "id": "bitpay", "name": "BitPay", "category": "wallet_swap", "website": "https://www.bitpay.com", "operator_us": "BitPay Inc.", "parent_company": null, "founded_year": null, "hq": "Atlanta, GA, USA (per OFAC notice, 2021)", "us_status": "available", "us_status_note": "Official availability article (fetched 2026-10-05): buy, sell and swap use third parties whose state coverage varies; merchant invoicing is unavailable in HI and LA.", "us_status_source": "https://support.bitpay.com/hc/en-us/articles/34441041886861", "states_not_served": null, "states_note": "Buy, sell and swap run through third-party partners with differing state coverage. Swap Token on Invoice not available in HI, LA, NY; HODL Pay on Invoice not in CA, HI, LA, NY; Bill Pay currently suspended.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "1496848", "ny_license": "BitLicense", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Site states BitPay is licensed by NYDFS to engage in Virtual Currency Business Activity" }, "assets": { "crypto_count_us": 16, "crypto_count_note": "'16+ cryptocurrencies' available to buy per official page", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Rates compared across multiple third-party providers; fee amounts not published", "trading_fee_note": "Swap powered by Changelly; BitPay's own swap fee not published", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://www.bitpay.com/swap-crypto" }, "min_deposit_usd": null, "funding_methods": [ "Credit card", "Debit card", "Bank account", "Apple Pay", "Google Pay", "Venmo", "PayPal", "Cash App Pay", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Wallet also supports spending on gift cards; Bill Pay is suspended. Merchant processing costs 1-2% + 25 cents per transaction.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2021, "type": "settlement", "summary": "BitPay, Inc. agreed to pay $507,375 to OFAC on February 18, 2021 to settle 2,102 apparent sanctions violations involving payments from sanctioned regions.", "source": "https://ofac.treasury.gov/recent-actions/20210218" } ] }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.3, "ios_ratings_count": "3.7K", "ios_ratings_n": 3661, "ios_url": "https://apps.apple.com/us/app/bitpay-buy-bitcoin-ethereum/id1149581638", "ios_app_name": "BitPay: Buy Bitcoin & Ethereum" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Bitcoin", "Ethereum", "Polygon", "Arbitrum", "Base" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "Not published; swaps executed by Changelly", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Spending crypto", "summary": "BitPay is a payments company whose non-custodial wallet supports buying, swapping and spending crypto. BitPay Inc. holds a New York virtual currency license (NMLS ID 1496848). Purchases of 16+ cryptocurrencies run through multiple providers with card, bank, PayPal, Venmo and Cash App Pay options; swaps use Changelly. Partner coverage differs by state, and Bill Pay is suspended.", "pros": [ "Licensed by NYDFS for virtual currency business activity", "Eight fiat payment methods, including PayPal and Venmo", "No account or sign-up needed to swap" ], "cons": [ "Only 16+ cryptocurrencies available to buy", "Partner state coverage varies and is not listed", "Paid $507,375 OFAC sanctions settlement in 2021" ], "sources": [ "https://www.bitpay.com/swap-crypto", "https://www.bitpay.com/buy-crypto", "https://support.bitpay.com/hc/en-us/articles/34441041886861", "https://support.bitpay.com/hc/en-us/articles/360000254046", "https://support.bitpay.com/hc/en-us/articles/203324073", "https://ofac.treasury.gov/recent-actions/20210218", "https://apps.apple.com/us/app/bitpay-buy-bitcoin-ethereum/id1149581638" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.7, "pillars": { "access": 9, "regulation": 3, "security": 6.3, "cost": 5, "range": 5.9, "popularity": 4.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "bitpay", "rank": 45, "category_rank": 7 }, { "id": "bitcoinira", "name": "BitcoinIRA", "category": "crypto_ira", "website": "https://bitcoinira.com", "operator_us": "Alternative IRA Services, LLC (d/b/a BitcoinIRA)", "parent_company": null, "founded_year": 2016, "hq": null, "us_status": "available", "us_status_note": "Official site (checked Oct 2026) offers crypto IRAs and a non-retirement Freedom Account to US investors, noting that asset availability can vary by state of residence.", "us_status_source": "https://bitcoinira.com/", "states_not_served": null, "states_note": "Asset availability can vary depending on state of residence; no list of excluded states was found.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "BitcoinIRA states it is not a bank and not a licensed broker. Custodian is Digital Trust, LLC, a state-chartered trust company licensed by the Nevada Financial Institutions Division; assets are stored in BitGo multi-signature wallets." }, "assets": { "crypto_count_us": 100, "crypto_count_note": "'Over 100 cryptocurrencies' / '100+ digital assets' per official site, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "2% per buy or sell in a Crypto IRA; 1% per buy or sell in the non-retirement Freedom Account", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": "Free (no setup or deposit fees)", "card_purchase": null, "usd_withdrawal": "ACH $15; outgoing domestic wire $35; check $35; outgoing international wire $50", "crypto_withdrawal": "In-kind crypto transfer out: 1.00% per asset", "other_fees": "Crypto IRA custody fee 0.08% of asset value per month ($20 per month minimum); Freedom Account has no monthly custody fee; partial termination $150, complete termination $300; next-day processing $100, same-day $250.", "fees_url": "https://bitcoinira.com/bitcoinira-fees-and-services" }, "min_deposit_usd": 1000, "funding_methods": [ "IRA transfer", "401(k) rollover", "Wire" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": true, "earn_yield": null, "lending_borrowing": false, "recurring_buys": null, "crypto_card": false, "stocks_etfs": null, "ira": true, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": true }, "products_note": "Traditional, Roth, SEP, SIMPLE and Solo 401(k) accounts; staking; Bundles (pre-built crypto portfolios); and the Freedom Account for non-retirement investing. Clients do not choose the custody partner.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "SOC 2 Type 1 (per company security page)", "insurance_note": "Company states custody insurance of up to $250 million against loss, theft and misuse; underwriter not named. Not FDIC-insured.", "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.5, "ios_ratings_count": "1.2K", "ios_ratings_n": 1218, "ios_url": "https://apps.apple.com/us/app/bitcoinira-buy-sell-crypto/id1534638949", "ios_app_name": "BitcoinIRA: Buy & Sell Crypto" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "IRA with 100+ coins", "summary": "BitcoinIRA, operated by Alternative IRA Services, LLC since 2016, offers crypto IRAs with more than 100 digital assets and a $1,000 minimum. IRA trades cost 2% per buy or sell, and custody costs 0.08% of assets per month with a $20 monthly minimum. Assets are held by Digital Trust, LLC, a Nevada-chartered trust company, using BitGo multi-signature wallets with up to $250 million in custody insurance.", "pros": [ "More than 100 cryptocurrencies available in an IRA", "Custody by a Nevada-chartered trust company with BitGo wallets", "Supports Traditional, Roth, SEP, SIMPLE and Solo 401(k) accounts" ], "cons": [ "2% fee on every IRA buy and sell", "Monthly custody fee of 0.08%, minimum $20", "$300 complete termination fee; 1% in-kind transfer-out fee" ], "sources": [ "https://bitcoinira.com/", "https://bitcoinira.com/bitcoinira-fees-and-services", "https://bitcoinira.com/security/", "https://bitcoinira.com/about-us/", "https://bitcoinira.com/crypto-ira/", "https://help.bitcoinira.com/en/articles/9523037-are-there-minimums-and-investment-caps", "https://help.bitcoinira.com/en/collections/10059862-opening-an-account", "https://apps.apple.com/us/app/bitcoinira-buy-sell-crypto/id1534638949" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 5.7, "pillars": { "access": 9, "regulation": 0, "security": 8, "cost": 5, "range": 8.6, "popularity": 3.7, "data_quality": 10 }, "cost_basis": "default" }, "slug": "bitcoinira", "rank": 46, "category_rank": 2 }, { "id": "paybis", "name": "Paybis", "category": "onramp_swap", "website": "https://paybis.com", "operator_us": "PAYBIS USA LTD", "parent_company": null, "founded_year": null, "hq": "Tulsa, OK, USA (US entity address)", "us_status": "available", "us_status_note": "Paybis says it serves 48 US states; its terms of service (Oct 2026) prohibit individual customers in Louisiana and New York.", "us_status_source": "https://paybis.com/policies/terms-of-service/", "states_not_served": [ "LA", "NY" ], "states_note": "Terms list Louisiana and New York as restricted; the custodial wallet is also not offered in AL, AK, AZ, AR, CT, FL, GA, ID, IA, KY, ME, MD, MI, MN, MS, NE, NV, NM, NC, ND, OH, OK, OR, RI, SD, VT, WA and WV.", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": null, "ny_license": null, "state_licenses_note": "Terms cite FinCEN MSB registration no. 31000272911973 only; no state licenses or NMLS ID named", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No service fee on first card purchase; later fees shown at checkout, plus network fee", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://paybis.com/" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "2.8K", "ios_ratings_n": 2843, "ios_url": "https://apps.apple.com/us/app/paybis-wallet-buy-bitcoin/id1584641245", "ios_app_name": "Paybis Wallet: Buy Bitcoin" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Card and ACH purchases", "summary": "Paybis is a fiat-to-crypto on-ramp operated in the US by PAYBIS USA LTD, a Delaware company registered with FinCEN as a money services business. It states it serves 48 US states; its terms exclude Louisiana and New York, limit swaps in nine other states and bar fiat-stablecoin orders in Texas. The first card purchase carries no service fee; later fees appear at checkout.", "pros": [ "FinCEN-registered US entity", "Serves 48 US states per official site", "No service fee on first card purchase" ], "cons": [ "Not available in New York or Louisiana", "Swaps restricted in nine additional states", "No state money transmitter licenses cited in terms" ], "sources": [ "https://paybis.com/", "https://paybis.com/policies/terms-of-service/", "https://apps.apple.com/us/app/paybis-wallet-buy-bitcoin/id1584641245" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.6, "pillars": { "access": 9.8, "regulation": 3, "security": 6, "cost": 5, "range": 4, "popularity": 4.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "paybis", "rank": 47, "category_rank": 2 }, { "id": "gate-us", "name": "Gate US", "category": "cex", "website": "https://www.gate.com/en-us", "operator_us": "Gate US, Inc.", "parent_company": "Gate Group", "founded_year": 2020, "hq": "Santa Clara, CA, USA", "us_status": "available", "us_status_note": "Gate US opened spot trading on Aug 1, 2025; its license page (checked Oct 5, 2026) says it does not operate in Alaska, Louisiana, New York, North Carolina, Texas, Washington or the US Virgin Islands.", "us_status_source": "https://www.gate.com/en-us/legal/licenses", "states_not_served": [ "AK", "LA", "NY", "NC", "TX", "WA" ], "states_note": "Also not offered in the US Virgin Islands. The page notes that the Tennessee and Virginia licenses do not cover virtual currency transmission.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "2272810", "ny_license": "None", "state_licenses_note": "37 money transmitter-type licenses listed on the official page (35 states, DC and Puerto Rico), including Massachusetts", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Asset count did not render on the official site; CoinGecko's Gate US page showed only 7 coins and 9 pairs when checked, which may be incomplete", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.25, "spot_taker_pct": 0.4, "simple_buy_fee": null, "trading_fee_note": "VIP 0 spot fees 0.25% maker / 0.40% taker per Gate US campaign terms (Sept 22-Oct 13, 2026); higher VIP tiers lower", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.gate.com/en-us/fee" }, "min_deposit_usd": null, "funding_methods": [ "Crypto", "Card (Visa/Mastercard)" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": true, "stocks_etfs": false, "ira": false, "otc_desk": true, "api": true, "trading_bots": null, "copy_trading": null, "nft": false, "self_custody_wallet": null, "prediction_markets": false, "tax_documents": null }, "products_note": "Official US lineup: spot, Convert, OTC, staking, Gate Card and the NextUp token launch platform; no derivatives or margin are listed. Launch in August 2025 was crypto-to-crypto only.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - proof-of-reserves documentation referenced in Gate US legal disclosures; cadence and auditor not verified", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Spot trading plus staking", "summary": "Gate US, Inc. is the Santa Clara, California arm of Gate Group. It opened spot trading on August 1, 2025 and lists 37 money transmitter licenses on its license page. Its US product list covers spot, Convert, OTC, staking and the Gate Card, with fees set by VIP volume tier. It does not operate in Alaska, Louisiana, New York, North Carolina, Texas or Washington.", "pros": [ "Operates in 44 states plus DC", "37 money transmitter licenses listed on its license page", "Spot, Convert, OTC, staking and Gate Card for US users" ], "cons": [ "Not available in AK, LA, NY, NC, TX or WA", "No futures, margin or options in its US lineup", "US trading only began in August 2025" ], "sources": [ "https://www.gate.com/en-us", "https://www.gate.com/en-us/legal/licenses", "https://www.gate.com/en-us/announcements/article/45221", "https://www.gate.com/en-us/announcements/article/45225", "https://www.gate.com/en-us/fee", "https://www.gate.com/en-us/vip", "https://www.coingecko.com/en/exchanges/gate-us", "https://www.gate.com/en-us/campaigns/147" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.6, "pillars": { "access": 9.5, "regulation": 2, "security": 7.5, "cost": 7.6, "range": 4.9, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "gate-us", "rank": 48, "category_rank": 15 }, { "id": "jupiter", "name": "Jupiter", "category": "dex_aggregator", "website": "https://jup.ag", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "No US restriction could be confirmed or ruled out: Jupiter's terms pages returned 404 and the developer docs (read 2026-10-05) do not list restricted jurisdictions.", "us_status_source": "https://dev.jup.ag/llms.txt", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Ultra swap fee 0.10% on most tokens; 0-0.05% on SOL/stable/pegged pairs; 0.50% on tokens under 24h old", "trading_fee_note": "0 bps JUP-related and pegged pairs, 2 bps SOL-stable, 5 bps LST-stable, 10 bps others, 50 bps new tokens", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://developers.jup.ag/docs/ultra/fees.md" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.9, "ios_ratings_count": "2.3K", "ios_ratings_n": 2345, "ios_url": "https://apps.apple.com/us/app/jupiter-mobile-solana-wallet/id6484069059", "ios_app_name": "Jupiter Mobile - Solana Wallet" }, "support_channels": [], "dex": { "chains": [ "Solana" ], "model": "aggregator", "protocol_fee_note": "Routes across Solana exchanges; underlying pool fees apply.", "interface_fee_note": "Ultra Swap: 0 bps on pegged pairs and on buying JUP/JLP/jupSOL, 2 bps SOL-stablecoin, 5 bps LST-stablecoin, 10 bps other pairs, 50 bps on tokens under 24 hours old", "tvl_usd": null, "volume_30d_usd": 14790000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/jupiter-aggregator", "governance_token": "JUP", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Solana swap routing", "summary": "Jupiter is a swap aggregator on Solana that routes orders across the chain's exchanges. Its Ultra Swap fee ranges from zero on pegged pairs to 0.10% on most tokens and 0.50% on tokens less than 24 hours old. DefiLlama showed $14.79 billion in 30-day aggregator volume on October 5, 2026. Its terms could not be loaded, so US restrictions are unverified.", "pros": [ "About $14.79 billion in 30-day aggregator volume", "Zero fee on stablecoin-to-stablecoin and LST-to-LST swaps", "SOL-stablecoin swaps cost 0.02%" ], "cons": [ "0.50% fee on tokens under 24 hours old", "Terms pages returned 404; US restrictions unverified", "Solana only" ], "sources": [ "https://defillama.com/protocol/jupiter-aggregator", "https://dev.jup.ag/llms.txt", "https://developers.jup.ag/docs/ultra/fees.md", "https://apps.apple.com/us/app/jupiter-mobile-solana-wallet/id6484069059" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.6, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 4.2, "data_quality": 7 }, "cost_basis": "default" }, "slug": "jupiter", "rank": 49, "category_rank": 1 }, { "id": "ledger-wallet", "name": "Ledger Wallet", "category": "wallet_swap", "website": "https://shop.ledger.com/pages/ledger-wallet", "operator_us": "Ledger SAS", "parent_company": null, "founded_year": 2014, "hq": "Paris, France", "us_status": "available", "us_status_note": "Ledger Wallet (formerly Ledger Live) Terms of Use exclude only sanctioned persons and embargoed countries; the app is on the US App Store (version 4.22, Sept 30, 2026).", "us_status_source": "https://shop.ledger.com/pages/ledger-live-terms-of-use", "states_not_served": null, "states_note": "Buy, sell and swap are third-party services; availability by state depends on each provider.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Terms: Ledger does not buy, sell or swap crypto for users; these are third-party services with their own terms" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Ledger says 15,000+ crypto assets can be managed; tradable assets depend on each provider", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Set by each buy provider; quotes in the app show fees included", "trading_fee_note": "Ledger may add its own 'Ledger Fees' on top of provider fees", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://shop.ledger.com/pages/ledger-live-terms-of-use" }, "min_deposit_usd": null, "funding_methods": [ "Crypto", "Cash App" ], "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": null, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": false, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Companion app for Ledger hardware signers: buy, sell and swap through 50+ third-party providers across 100+ chains; every transaction is approved on the device.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2023, "type": "exploit", "summary": "Dec 14, 2023: malicious code in the Ledger Connect Kit library drained users of connected EVM dApps for under two hours; Ledger Live was not affected.", "source": "https://www.ledger.com/blog/security-incident-report" }, { "year": 2020, "type": "data_breach", "summary": "July 2020: e-commerce and marketing database breach exposed about 1 million customer emails and detailed data of about 9,500 customers.", "source": "https://www.ledger.com/addressing-the-july-2020-e-commerce-and-marketing-data-breach" } ] }, "apps": { "web": false, "ios": true, "android": null, "desktop": true, "ios_rating": 4.9, "ios_ratings_count": "15K", "ios_ratings_n": 15185, "ios_url": "https://apps.apple.com/us/app/ledger-wallet-crypto-app/id1361671700", "ios_app_name": "Ledger Wallet™ crypto app" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Bitcoin", "Ethereum", "Solana", "XRP" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "Terms allow a Ledger fee on top of third-party provider fees", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "open" }, "derivatives": null, "best_for": "Ledger hardware owners", "summary": "Ledger Wallet, renamed from Ledger Live, is the companion app for Ledger hardware signers, published by Paris-based Ledger SAS. Buying, selling and swapping run through more than 50 third-party providers, and each transaction is confirmed on the device. Ledger may add its own fee on top of provider fees. The app is listed on the US App Store.", "pros": [ "Every transaction approved on the hardware signer", "Compares quotes from 50+ third-party providers", "Terms exclude only sanctioned persons and countries" ], "cons": [ "Ledger may add its own fee to provider fees", "US state availability depends on each provider", "2020 breach exposed about 1 million customer emails" ], "sources": [ "https://shop.ledger.com/pages/ledger-live-terms-of-use", "https://shop.ledger.com/pages/ledger-wallet", "https://shop.ledger.com/pages/swap", "https://www.ledger.com/academy/topics/ledger-wallet/buy-crypto-guide", "https://www.ledger.com/the-company", "https://apps.apple.com/us/app/ledger-wallet-crypto-app/id1361671700", "https://www.ledger.com/blog/security-incident-report", "https://www.ledger.com/addressing-the-july-2020-e-commerce-and-marketing-data-breach" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "ledger-wallet", "score": { "total": 5.6, "pillars": { "access": 9, "regulation": 3, "security": 5, "cost": 5, "range": 4.3, "popularity": 5.9, "data_quality": 7 }, "cost_basis": "default" }, "rank": 50, "category_rank": 8 }, { "id": "ramp-network", "name": "Ramp Network", "category": "onramp_swap", "website": "https://rampnetwork.com", "operator_us": "Ramp Swaps LLC", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Ramp's help center (read Oct 5, 2026) lists eight unsupported US states; elsewhere US users are served by Ramp Swaps LLC of Miami, a FinCEN-registered money services business (NMLS 2366547).", "us_status_source": "https://support.rampnetwork.com/en/articles/433-unsupported-countries-territories-and-us-states-for-buying-and-selling-crypto", "states_not_served": [ "LA", "MN", "NV", "NJ", "NY", "PA", "VT", "WA" ], "states_note": "Puerto Rico and the US Virgin Islands are also unsupported; access is based on physical location.", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "2366547", "ny_license": null, "state_licenses_note": "Money transmitter licenses in Alabama and Maryland; partners with Zero Hash for on-ramps in certain states", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "'120+ cryptoassets' on the homepage (global figure)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Up to 3.9% with USD cards (min up to EUR 2.49); bank transfer up to 1.40%", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": "Up to 3.9% (USD cards)", "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Integration partners may add their own fee; network fee passed through", "fees_url": "https://support.rampnetwork.com/en/articles/10415-what-fees-are-charged-when-buying-crypto" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Buy, sell and swap flows; homepage also promotes a self-custodial wallet (US availability not confirmed).", "custody_model": "non_custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "170", "ios_ratings_n": 170, "ios_url": "https://apps.apple.com/us/app/ramp-network-buy-crypto/id6739492349", "ios_app_name": "Ramp Network: Buy Crypto" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Card on-ramp, most states", "summary": "Ramp Network is a fiat-to-crypto on-ramp whose US entity, Ramp Swaps LLC of Miami, is registered with FinCEN (NMLS ID 2366547) and holds money transmitter licenses in Alabama and Maryland. It is unavailable in eight states, including New York, New Jersey and Washington. Fees run up to 3.9% for USD card purchases and up to 1.40% for manual bank transfers.", "pros": [ "FinCEN-registered US entity with NMLS ID 2366547", "Bank transfer fee up to 1.40%", "Unsupported states published in the help center" ], "cons": [ "Not available in eight states, including NY and NJ", "USD card purchases cost up to 3.9%", "Only two state licenses listed directly" ], "sources": [ "https://support.rampnetwork.com/en/articles/433-unsupported-countries-territories-and-us-states-for-buying-and-selling-crypto", "https://support.rampnetwork.com/en/articles/110250-ramp-and-regulations", "https://support.rampnetwork.com/en/articles/10415-what-fees-are-charged-when-buying-crypto", "https://rampnetwork.com/", "https://apps.apple.com/us/app/ramp-network-buy-crypto/id6739492349" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "ramp-network", "score": { "total": 5.5, "pillars": { "access": 9.4, "regulation": 4, "security": 7, "cost": 5, "range": 4.2, "popularity": 2, "data_quality": 7 }, "cost_basis": "default" }, "rank": 51, "category_rank": 3 }, { "id": "trezor-suite", "name": "Trezor Suite", "category": "wallet_swap", "website": "https://trezor.io/trezor-suite", "operator_us": "Trezor Company s.r.o.", "parent_company": "SatoshiLabs Group", "founded_year": null, "hq": "Prague, Czech Republic", "us_status": "available", "us_status_note": "The US App Store listing for Trezor Suite (checked Oct 5, 2026) names the United States first among countries where Buy and Swap are available, and the Suite terms exclude no countries.", "us_status_source": "https://apps.apple.com/us/app/trezor-suite/id1631884497", "states_not_served": null, "states_note": "Trading runs through third-party providers whose state coverage varies; not verified.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Software wallet; buy, sell and swap are provided by third-party providers" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Official page says 'thousands of coins and tokens' (global)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Provider fee shown in the quote; Trezor adds no fee", "trading_fee_note": "Trezor charges no fee for third-party buy, sell or swap; providers set fees", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": "Requires a Trezor hardware wallet (sold separately)", "fees_url": "https://trezor.io/documents/suite_terms_of_use.pdf" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Buy via Banxa, MoonPay, Mercuryo, Paybis, Topper and others; swaps via Changelly, ChangeNOW, SideShift, 1inch and LI.FI; staking for ETH, ADA and SOL; Concierge OTC is SEPA-only.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2024, "type": "data_breach", "summary": "January 2024: unauthorized access to a third-party support portal may have exposed contact details of up to 66,000 users; no funds affected.", "source": "https://blog.trezor.io/trezor-security-update-stay-vigilant-against-potential-phishing-attack-bb05015a21f8" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": true, "ios_rating": 4.7, "ios_ratings_count": "1.6K", "ios_ratings_n": 1561, "ios_url": "https://apps.apple.com/us/app/trezor-suite/id1631884497", "ios_app_name": "Trezor Suite" }, "support_channels": [ "Help center", "Forum" ], "dex": { "chains": [ "Bitcoin", "Ethereum", "Solana", "Cardano" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "No Trezor fee; provider fees shown before confirming", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "open" }, "derivatives": null, "best_for": "Hardware-wallet users", "summary": "Trezor Suite is the desktop, web and mobile app for Trezor hardware wallets, made by Trezor Company s.r.o. of Prague, part of SatoshiLabs. It compares third-party providers for buying, selling and swapping crypto without moving funds out of self-custody. Its US App Store listing names the United States among Buy and Swap countries, and Trezor adds no fee of its own.", "pros": [ "Trezor adds no fee to third-party trades", "US listed for Buy and Swap on App Store", "Compares several buy and swap providers per trade" ], "cons": [ "Requires a Trezor hardware wallet", "Provider fees and KYC vary by provider", "Support-portal data breach exposed user contacts in 2024" ], "sources": [ "https://apps.apple.com/us/app/trezor-suite/id1631884497", "https://trezor.io/trezor-suite", "https://trezor.io/guides/sending-receiving-staking-funds/trading-crypto-in-trezor-suite/trade-crypto-in-trezor-suite", "https://trezor.io/documents/suite_terms_of_use.pdf", "https://blog.trezor.io/trezor-security-update-stay-vigilant-against-potential-phishing-attack-bb05015a21f8" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "trezor-suite", "score": { "total": 5.5, "pillars": { "access": 9, "regulation": 3, "security": 6.3, "cost": 5, "range": 4.5, "popularity": 3.9, "data_quality": 7 }, "cost_basis": "default" }, "rank": 52, "category_rank": 9 }, { "id": "interactive-brokers", "name": "Interactive Brokers", "category": "broker_app", "website": "https://www.interactivebrokers.com", "operator_us": null, "parent_company": null, "founded_year": 1978, "hq": "Greenwich, CT, USA", "us_status": "available", "us_status_note": "IBKR offers 20 cryptocurrencies through linked Paxos Trust Company or Zero Hash LLC accounts at 0.12%-0.18% commission (pages read Oct 5, 2026); state exclusions not published on those pages.", "us_status_source": "https://www.interactivebrokers.com/en/trading/products-cryptocurrencies.php", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 20, "crypto_count_note": "Aave, Aptos, Avalanche, Bitcoin, Bitcoin Cash, Canton, Cardano, Chainlink, Dogecoin, Ethereum, Lido DAO, Litecoin, Monad, NEAR, Pax Gold, Plasma, XRP, Solana, Sui, Uniswap per official page, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Commission 0.18% of trade value (first $100,000 monthly volume), $1.75 minimum per order capped at 1% of trade value; no added spread or markup", "trading_fee_note": "0.18% up to $100K monthly volume; 0.15% $100K-$1M; 0.12% above $1M. Commission-based, not maker/taker.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Paxos account fee $0.15 per month (pass-through); no custody fee", "fees_url": "https://www.interactivebrokers.com/en/pricing/commissions-cryptocurrencies.php" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Crypto trades 24/7 after the Paxos or Zero Hash account is funded; supported coins can be transferred in from external wallets. Outbound withdrawal terms were not confirmed on the pages read.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Digital assets held with Paxos or Zero Hash are not protected by SIPC", "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.5, "ios_ratings_count": "12K", "ios_ratings_n": 11510, "ios_url": "https://apps.apple.com/us/app/ibkr-mobile-invest-worldwide/id454558592", "ios_app_name": "IBKR Mobile - Invest Worldwide" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Low-commission crypto beside stocks", "summary": "Interactive Brokers lets brokerage clients trade 20 cryptocurrencies through linked accounts at Paxos Trust Company or Zero Hash LLC. Commission is 0.12% to 0.18% of trade value with a $1.75 minimum per order and no added spread, markup or custody fee. Trading runs 24/7 and coins can be transferred in from external wallets. Crypto holdings are not SIPC-protected.", "pros": [ "Commission of 0.12%-0.18% with no added spread", "Crypto held by Paxos or Zero Hash", "24/7 trading with deposits from external wallets" ], "cons": [ "Only 20 cryptocurrencies", "$1.75 minimum makes small orders costly", "Crypto balances not covered by SIPC" ], "sources": [ "https://www.interactivebrokers.com/en/pricing/commissions-cryptocurrencies.php", "https://www.interactivebrokers.com/en/trading/products-cryptocurrencies.php", "https://apps.apple.com/us/app/ibkr-mobile-invest-worldwide/id454558592" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.4, "pillars": { "access": 9, "regulation": 0, "security": 7, "cost": 5, "range": 6.4, "popularity": 5.6, "data_quality": 7 }, "cost_basis": "default" }, "slug": "interactive-brokers", "rank": 53, "category_rank": 15 }, { "id": "charles-schwab", "name": "Schwab Crypto", "category": "broker_app", "website": "https://www.schwab.com/crypto", "operator_us": "Charles Schwab Premier Bank, SSB", "parent_company": "The Charles Schwab Corporation", "founded_year": 1971, "hq": "Westlake, TX, USA", "us_status": "limited", "us_status_note": "As of Oct 5, 2026 schwab.com/crypto still describes Schwab Crypto as 'coming soon' with an early-access sign-up; no general availability was confirmed.", "us_status_source": "https://www.schwab.com/crypto", "states_not_served": [ "NY", "LA" ], "states_note": "Not available in US territories or internationally.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": "Offered by Charles Schwab Premier Bank, SSB (savings bank subsidiary)", "public_company": null, "other": null }, "assets": { "crypto_count_us": 2, "crypto_count_note": "Bitcoin and Ethereum, per schwab.com/crypto, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.75% of trade value, zero spread", "trading_fee_note": "Flat 0.75% commission; no maker/taker schedule", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.schwab.com/crypto" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": true, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Spot BTC and ETH require a Schwab brokerage account plus an approved Schwab Crypto account; Schwab separately offers crypto ETPs and cryptocurrency futures (separate futures account).", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Cryptocurrencies are not SIPC-protected and not FDIC-insured, per Schwab's disclosure", "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "1.2M", "ios_ratings_n": 1211047, "ios_url": "https://apps.apple.com/us/app/schwab-mobile/id407358186", "ios_app_name": "Schwab Mobile" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Existing Schwab brokerage clients", "summary": "Schwab Crypto is a spot Bitcoin and Ethereum service from Charles Schwab Premier Bank, SSB, priced at 0.75% of trade value with no spread. As of October 2026 Schwab's page lists it as coming soon with early-access sign-up, for brokerage clients in all states except New York and Louisiana. Whether coins can be moved to an external wallet is not stated.", "pros": [ "Flat 0.75% fee with zero spread", "Offered by a bank subsidiary of Charles Schwab", "Sits alongside Schwab crypto ETPs and futures" ], "cons": [ "Early access only as of October 2026", "Only Bitcoin and Ethereum", "Not available in New York or Louisiana" ], "sources": [ "https://www.schwab.com/crypto", "https://pressroom.aboutschwab.com/press-releases/default.aspx", "https://apps.apple.com/us/app/schwab-mobile/id407358186" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.4, "pillars": { "access": 5.8, "regulation": 1.5, "security": 7, "cost": 5, "range": 3.4, "popularity": 9.7, "data_quality": 7 }, "cost_basis": "default" }, "slug": "charles-schwab", "rank": 54, "category_rank": 16 }, { "id": "banxa", "name": "Banxa", "category": "onramp_swap", "website": "https://banxa.com", "operator_us": "BNXA USA MTL Inc.", "parent_company": "Banxa Holdings Inc.", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Banxa's USA licenses page (Oct 2026) shows BNXA USA MTL Inc. with a FinCEN MSB registration and state money transmitter licenses; New York is not listed and Virginia is shown as application pending.", "us_status_source": "https://banxa.com/USA-licenses", "states_not_served": [ "LA", "NY" ], "states_note": "Official list of supported states (modified Sept 14) names 48 states; Louisiana, New York and DC are not on it", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "2347615", "ny_license": null, "state_licenses_note": "State money transmitter licenses listed (e.g. AL 968, AZ 1041914, FL FT230000448, IL MT0000451, NV MT11226); Virginia pending; FinCEN MSB no. 31000255987782", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "EU Internet Ventures authorized as a MiCA crypto-asset service provider (AFM, Netherlands)" }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Spread typically 2-4% (up to 15%) plus 1.99% card/Apple Pay fee and network fee", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://support.banxa.com/en/support/solutions/articles/44002465167-how-does-banxa-set-the-price-of-cryptocurrency-" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Debit card", "Credit card", "Wire" ], "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Licensed embedded on-ramp", "summary": "Banxa is a fiat-to-crypto on-ramp used inside wallets and exchanges. Its US entity, BNXA USA MTL Inc., is registered with FinCEN as a money services business (NMLS ID 2347615) and lists state money transmitter licenses; New York does not appear and Virginia is shown as pending. US orders can be paid by ACH, card or wire, with some processed by partner firms.", "pros": [ "FinCEN MSB registration, NMLS ID 2347615", "State money transmitter licenses published on one page", "ACH, card and wire payment options" ], "cons": [ "New York not on the license list", "Fee schedule not published in the terms", "Some orders processed by third-party partners" ], "sources": [ "https://banxa.com/USA-licenses", "https://banxa.com/terms-of-use/", "https://banxa.com/", "https://support.banxa.com/en/support/solutions/articles/44002216505-what-countries-are-supported-by-banxa-", "https://support.banxa.com/en/support/solutions/articles/44002465167-how-does-banxa-set-the-price-of-cryptocurrency-" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.3, "pillars": { "access": 9.8, "regulation": 4, "security": 6, "cost": 5, "range": 4, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "banxa", "rank": 55, "category_rank": 4 }, { "id": "camelot", "name": "Camelot", "category": "dex", "website": "https://camelot.exchange", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "No US restriction could be confirmed or ruled out: Camelot's docs index (read 2026-10-05) has no terms or restricted-jurisdictions page and the app is JavaScript-only.", "us_status_source": "https://docs.camelot.exchange/llms.txt", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Paladin", "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Arbitrum", "ApeChain", "Plume", "Reya", "Xai", "EDU Chain" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 13460000, "volume_30d_usd": 171310000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/camelot", "governance_token": "GRAIL", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Arbitrum ecosystem tokens", "summary": "Camelot is a decentralized exchange centered on Arbitrum, with satellite deployments on Arbitrum Orbit chains such as ApeChain and Xai. Its token is GRAIL, with an escrowed xGRAIL version. DefiLlama showed about $13.5 million in TVL, about $12 million of it on Arbitrum, and $171 million in 30-day volume on October 5, 2026. The docs name Paladin as auditor.", "pros": [ "Deployed on Arbitrum and several Orbit chains", "Contracts audited by Paladin per official docs", "Multisig control of protocol contracts documented" ], "cons": [ "TVL about $13.5 million", "Several satellite chains show near-zero liquidity", "No terms page found; US access unverified" ], "sources": [ "https://defillama.com/protocol/camelot", "https://docs.camelot.exchange/llms.txt", "https://docs.camelot.exchange/get-started/faqs/security-measures" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.3, "pillars": { "access": 9, "regulation": 3, "security": 8, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "camelot", "rank": 56, "category_rank": 2 }, { "id": "localcoinswap", "name": "LocalCoinSwap", "category": "p2p", "website": "https://localcoinswap.com", "operator_us": "TechHouse Ltd", "parent_company": null, "founded_year": null, "hq": "Saint Kitts and Nevis (services offered from there, per terms)", "us_status": "available", "us_status_note": "LocalCoinSwap's Terms of Service (read Oct 5, 2026) name 21 restricted jurisdictions plus comprehensively sanctioned ones; the United States is not among them, and users must follow the laws of their own country and state.", "us_status_source": "https://localcoinswap.com/terms-of-service", "states_not_served": null, "states_note": "No state list published; terms make users responsible for complying with the laws of their state of residence.", "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Terms are governed by the laws of Saint Kitts and Nevis; no US registration cited" }, "assets": { "crypto_count_us": 20, "crypto_count_note": "'over 20 cryptocurrencies' on the official homepage, Oct 2026 (global figure; US not restricted)", "stablecoins_note": "USDT, USDC and DAI listed on the homepage" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Offer creators pay 1% per completed trade; buying from or selling to an offer is free", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only for BTC and ETH; one free USDT (TRC20) withdrawal per day", "other_fees": "Account registration and crypto deposits are free", "fees_url": "https://localcoinswap.com/fees" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Peer-to-peer marketplace with smart-contract and Bitcoin-script escrow; also offers a crypto-to-crypto Swap run by third-party swap providers.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Bitcoin", "Ethereum", "BNB Smart Chain", "Tron", "Litecoin" ], "model": "P2P", "protocol_fee_note": "1% maker fee per completed trade", "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Non-custodial P2P trading", "summary": "LocalCoinSwap is a peer-to-peer crypto marketplace run by TechHouse Ltd from Saint Kitts and Nevis. Trades settle through non-custodial escrow, and the homepage lists over 20 cryptocurrencies with 300+ payment methods. Its terms restrict 21 named countries but not the United States. Offer creators pay a 1% fee per completed trade, while takers trade free.", "pros": [ "Terms do not list the United States as restricted", "Non-custodial escrow; users hold their own keys", "Takers pay no platform fee; makers pay 1%" ], "cons": [ "No US registration or license cited", "Operator based in Saint Kitts and Nevis", "Payment-method fraud risk sits with P2P counterparties" ], "sources": [ "https://localcoinswap.com/terms-of-service", "https://localcoinswap.com/fees", "https://localcoinswap.com/" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "localcoinswap", "score": { "total": 5.3, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 6.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 57, "category_rank": 1 }, { "id": "fold", "name": "Fold", "category": "bitcoin_only", "website": "https://foldapp.com", "operator_us": "Fold, Inc.", "parent_company": "Fold Holdings, Inc. (NASDAQ: FLD)", "founded_year": null, "hq": "Phoenix, AZ, USA", "us_status": "available", "us_status_note": "Terms and Conditions effective Oct 1, 2026 open Fold accounts to US citizens and permanent residents who primarily reside in one of the 50 states or DC.", "us_status_source": "https://foldapp.com/legal/terms-of-service", "states_not_served": [], "states_note": "Accounts open to US citizens and permanent residents living in the 50 states or DC (the 'Permitted Territory'); territories are not included. Fold says its bitcoin services cover all 50 states via BitGo.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "NASDAQ: FLD", "other": "Bitcoin custody and exchange services are provided by BitGo (BitGo Bank & Trust, N.A. and BitGo Prime LLC per Fold's terms). Spending account by Lead Bank; prepaid debit card issued by Sutton Bank; credit card issued by Celtic Bank." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "A Transaction Fee plus an exchange-rate spread applies to accounts holding under $5,000 in Fold Reserve (percentage not captured); at $5,000 or more there is no Transaction Fee and no added Fold spread", "trading_fee_note": "Benefits scale with Fold Reserve balance tiers from $0 to $100,000 (terms effective Oct 1, 2026). Auto-Stack recurring buys start at $10.", "ach_deposit": "Free (inbound ACH and direct deposit $0)", "wire_deposit": "$10 inbound domestic wire", "card_purchase": null, "usd_withdrawal": "Standard ACH free; same-day ACH 0.5% ($1 minimum, $20 maximum); instant FedNow transfer 1.5% ($1 minimum); outbound domestic wire $25", "crypto_withdrawal": "Bitcoin network fee passed through; Fold pays the network fee for accounts with $5,000 or more in Fold Reserve", "other_fees": "Fold Spending Account: no monthly, opening, inactivity or closure fees", "fees_url": "https://foldapp.com/legal/terms-of-service" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire", "Direct deposit" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": true, "crypto_card": true, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only. Prepaid Visa debit card and Fold Bitcoin Rewards Credit Card pay rewards in bitcoin; also bitcoin gift cards, bill pay, direct deposit into bitcoin, round-ups and Auto-Stack recurring buys. Fold reported 826 BTC in treasury and nearly 85,000 verified accounts as of March 31, 2026.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "The Fold Spending Account is provided by Lead Bank, Member FDIC; bitcoin is held with BitGo.", "incidents": [] }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "2.3K", "ios_ratings_n": 2271, "ios_url": "https://apps.apple.com/us/app/fold-bitcoin-personal-finance/id1480424785", "ios_app_name": "Fold: Bitcoin Personal Finance" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Bitcoin rewards on spending", "summary": "Fold is a bitcoin rewards and buying app from Fold Holdings, Inc. (NASDAQ: FLD), based in Phoenix. Accounts are open to residents of the 50 states and DC; users can buy, sell and withdraw bitcoin, with custody and exchange services provided by BitGo. A transaction fee applies unless the account holds at least $5,000 in Fold Reserve. Fold also offers bitcoin-rewards debit and credit cards.", "pros": [ "Parent company is listed on NASDAQ (FLD)", "Bitcoin custody and exchange handled by BitGo", "Bitcoin rewards on debit and credit card spending" ], "cons": [ "Fee waiver requires $5,000 or more in Fold Reserve", "Exchange rate may include a spread that varies by transaction", "Parent reported a $29.2 million net loss for Q1 2026" ], "sources": [ "https://foldapp.com/", "https://foldapp.com/legal", "https://foldapp.com/legal/terms-of-service", "https://foldapp.com/legal/spending-account-fee-schedule", "https://investor.foldapp.com/news-releases/news-release-details/fold-holdings-inc-nasdaq-fld-announces-first-quarter-2026", "https://apps.apple.com/us/app/fold-bitcoin-rewards/id1480424785", "https://blog.foldapp.com/2026-customer-letter/", "https://apps.apple.com/us/app/fold-bitcoin-personal-finance/id1480424785" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 10, "regulation": 1, "security": 7, "cost": 5, "range": 2.5, "popularity": 4.2, "data_quality": 7 }, "cost_basis": "default" }, "slug": "fold", "rank": 58, "category_rank": 4 }, { "id": "swan-bitcoin", "name": "Swan Bitcoin", "category": "bitcoin_only", "website": "https://www.swanbitcoin.com", "operator_us": "Electric Solidus, Inc. (d/b/a Swan Bitcoin)", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Help center (updated Dec 18, 2025) says Swan Personal is open to all US residents and Swan IRA and Business are available in all 50 states, including New York.", "us_status_source": "https://help.swanbitcoin.com/hc/en-us/articles/360059000753-Is-Swan-Bitcoin-available-in-my-US-state", "states_not_served": [], "states_note": "New York service launched in 2025 through Bakkt; Swan's New York launch post said bitcoin withdrawals for New York accounts were pending NYDFS approval (current status not verified). Of US territories, only Guam, Puerto Rico and the US Virgin Islands are served.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Terms (updated Jul 17, 2026) say Swan does not provide money transmission; custody is handled by partner institutions: Bakkt (US personal and entity accounts; described by Swan as NYDFS-regulated), Equity Trust (IRAs) and BitGo (international accounts)." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% standard fee on bitcoin buys and sells", "trading_fee_note": "Tax-loss harvesting for Swan Private clients costs 1.29% in total for the sell and re-buy.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Free", "crypto_withdrawal": "Free (bitcoin withdrawals are complimentary for all clients)", "other_fees": "Swan Safe platform storage 0.03% of assets per month (waived when auto-withdrawals are enabled; Safe Plus 0.06%); Swan Vault 0.02% per month ($30 minimum, $500 maximum); Swan IRA 0.02% per month ($20 minimum); Swan Business $35 per month.", "fees_url": "https://help.swanbitcoin.com/hc/en-us/articles/360045394134-What-are-Swan-Bitcoin-s-fees" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": true, "crypto_card": false, "stocks_etfs": false, "ira": true, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": true, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only. Swan IRA (custodied by Equity Trust), Swan Vault collaborative self-custody, Swan Private for high-net-worth clients, Swan Business, and RBX, which converts bitcoin ETF shares into directly held bitcoin.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": "No public proof of reserves found; Swan says it reconciles its ledger against balances at its custodians", "proof_of_reserves_url": null, "audits_certifications": "SOC 2 Type 2 (per Swan homepage)", "insurance_note": null, "incidents": [ { "year": 2026, "type": "other", "summary": "A federal court dismissed Swan's trade-secret lawsuit against Proton Management after Swan conceded in UK proceedings that it did not own the mining assets (reported June 1, 2026).", "source": "https://news.bitcoin.com/swan-bitcoin-drops-federal-lawsuit-against-proton-after-uk-court-concession-kills-its-core-claims/" }, { "year": 2024, "type": "other", "summary": "Swan announced layoffs, the closure of its bitcoin mining unit and the cancellation of its planned public listing.", "source": "https://www.theblock.co/post/306756/swan-cancels-public-listing-shutter-bitcoin-mining-layoffs" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "4.1K", "ios_ratings_n": 4061, "ios_url": "https://apps.apple.com/us/app/swan-bitcoin-buy-save/id1576287352", "ios_app_name": "Swan Bitcoin: Buy & Save" }, "support_channels": [ "Help center" ], "dex": null, "derivatives": null, "best_for": "Bitcoin IRA and vaults", "summary": "Swan Bitcoin, operated by Electric Solidus, Inc., offers Bitcoin-only buying, IRAs, collaborative-custody vaults and private-client services to residents of all 50 states, including New York. Standard buy and sell fees are 1%, withdrawals are free, and platform storage costs 0.03% of assets per month unless auto-withdrawals are enabled. US personal accounts are custodied by Bakkt and IRAs by Equity Trust.", "pros": [ "Free bitcoin and USD withdrawals for all clients", "Available in all 50 states, including New York", "IRA, collaborative-custody vault and ETF-to-bitcoin conversion (RBX)" ], "cons": [ "Monthly 0.03% storage fee unless auto-withdrawals are enabled", "Standard 1% fee applies to both buys and sells", "Cut staff and closed its mining unit in 2024" ], "sources": [ "https://help.swanbitcoin.com/hc/en-us/articles/360045394134-What-are-Swan-Bitcoin-s-fees", "https://help.swanbitcoin.com/hc/en-us/articles/360059000753-Is-Swan-Bitcoin-available-in-my-US-state", "https://help.swanbitcoin.com/hc/en-us/articles/360050513913-Which-custodians-does-Swan-work-with", "https://help.swanbitcoin.com/hc/en-us/articles/360049193113-Requirements-to-open-a-Swan-account", "https://www.swanbitcoin.com/product-updates/swan-bitcoin-is-live-in-new-york/", "https://www.swanbitcoin.com/terms/", "https://www.swanbitcoin.com/", "https://www.swanbitcoin.com/security/", "https://news.bitcoin.com/swan-bitcoin-drops-federal-lawsuit-against-proton-after-uk-court-concession-kills-its-core-claims/", "https://www.theblock.co/post/306756/swan-cancels-public-listing-shutter-bitcoin-mining-layoffs", "https://apps.apple.com/us/app/swan-bitcoin-buy-save/id1576287352" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 10, "regulation": 0, "security": 6.4, "cost": 5, "range": 2.6, "popularity": 4.7, "data_quality": 10 }, "cost_basis": "default" }, "slug": "swan-bitcoin", "rank": 59, "category_rank": 5 }, { "id": "coinmama", "name": "Coinmama", "category": "onramp_swap", "website": "https://www.coinmama.com", "operator_us": "New Bit Ventures Ltd. (purchases executed by Paybis or Banxa)", "parent_company": "Wellfield Technologies Inc. (TSXV: WFLD)", "founded_year": 2013, "hq": "Ramat Gan, Israel", "us_status": "available", "us_status_note": "Coinmama's restricted-locations article (updated Sept 8, 2026) names only New York and Louisiana among US states it cannot serve.", "us_status_source": "https://www.coinmama.com/support/restricted-countries-and-states", "states_not_served": [ "LA", "NY" ], "states_note": "Only New York and Louisiana are listed as restricted US states (Sept 2026); US territories are not mentioned.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "TSXV: WFLD (parent Wellfield Technologies)", "other": "Terms (Sept 6, 2026): purchases and sales are facilitated through licensed third parties Paybis and Banxa" }, "assets": { "crypto_count_us": 100, "crypto_count_note": "'more than 100 different cryptocurrencies' on the official list (global, not US-specific), Aug 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.99%-3.90% commission by loyalty level, plus a spread; cards add 4.99%", "trading_fee_note": "Loyalty levels cut commission 12.5% ($5,000 in 90 days) or 25% ($18,000)", "ach_deposit": "0% method fee; $50 minimum", "wire_deposit": "Fedwire 0%, $500 minimum; SWIFT 0%, $250 minimum", "card_purchase": "4.99% (also Apple Pay, Google Pay)", "usd_withdrawal": "Not offered; sell orders pay out in EUR via SEPA only", "crypto_withdrawal": null, "other_fees": "Express fee on card, Apple Pay, Google Pay, Skrill and NETELLER orders; card issuers may add cash-advance fees", "fees_url": "https://www.coinmama.com/support/fees-charges" }, "min_deposit_usd": 30, "funding_methods": [ "ACH", "Wire", "Debit card", "Credit card", "Apple Pay", "Google Pay" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": true, "prediction_markets": false, "tax_documents": null }, "products_note": "Buy-only for US users in practice: sales pay out in EUR to SEPA accounts. Coinmama Wallet is a separate self-custody app published by Enovista Limited.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2019, "type": "data_breach", "summary": "Feb 2019: about 450,000 user emails and hashed passwords exposed, then data tied to 1.4 million accounts acquired by an unauthorized party.", "source": "https://www.coinmama.com/blog/account-security-faq" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Card buys to own wallet", "summary": "Coinmama, founded in 2013 and owned by Wellfield Technologies, sells crypto that is delivered to the buyer's own wallet; Paybis and Banxa execute the trades. It serves US residents except in New York and Louisiana. Commission runs 0.99%-3.90% plus a spread, and card payments add 4.99%. US users cannot sell for dollars; payouts are EUR-only.", "pros": [ "Serves all US states except New York and Louisiana", "ACH and Fedwire purchases carry no payment-method fee", "Coins go straight to the buyer's own wallet" ], "cons": [ "Card purchases add 4.99% on top of commission", "No USD payouts; selling pays EUR via SEPA only", "2019 breach exposed data of 1.4 million accounts" ], "sources": [ "https://www.coinmama.com/support/restricted-countries-and-states", "https://www.coinmama.com/support/fees-charges", "https://www.coinmama.com/support/compare-our-payment-methods", "https://www.coinmama.com/support/loyalty-program-for-reduced-fees", "https://www.coinmama.com/support/cryptocurrencies-we-offer", "https://www.coinmama.com/support/sell-us-your-bitcoin", "https://www.coinmama.com/terms", "https://www.coinmama.com/blog/account-security-faq" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "coinmama", "score": { "total": 5.2, "pillars": { "access": 9.8, "regulation": 1, "security": 6.3, "cost": 5, "range": 8.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 60, "category_rank": 5 }, { "id": "transak", "name": "Transak", "category": "onramp_swap", "website": "https://transak.com", "operator_us": "Transak USA LLC", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Transak's coverage page (Oct 2026) lists US states individually with USD card, Apple Pay, Google Pay and wire on-ramp; New York, Louisiana and Alaska were not found in the table.", "us_status_source": "https://transak.com/global-coverage", "states_not_served": null, "states_note": "New York, Louisiana and Alaska rows not found on the coverage page as extracted; treat as likely unsupported, re-check", "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "2362652", "ny_license": null, "state_licenses_note": "FinCEN MSB registration no. 31000215880221; state licenses not listed in the terms", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "'136+ cryptocurrencies' platform-wide per coverage page, Oct 2026; US-specific count not published", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Shown at order time; no percentage published in the terms", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Debit card", "Credit card", "Apple Pay", "Google Pay", "Wire" ], "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Wallet-embedded on-ramp", "summary": "Transak is a fiat-to-crypto on-ramp embedded in wallets and apps. US customers are served by Transak USA LLC, a Delaware company registered with FinCEN as a money services business (NMLS ID 2362652). Its coverage page lists most US states with Visa, Mastercard, Apple Pay, Google Pay and wire funding, and identity verification is required for all customers.", "pros": [ "FinCEN-registered US entity, NMLS ID 2362652", "Card, Apple Pay, Google Pay and wire funding", "136+ cryptocurrencies supported platform-wide" ], "cons": [ "New York not found on coverage page", "Fees shown only at order time", "Identity verification required for every customer" ], "sources": [ "https://transak.com/global-coverage", "https://transak.com/terms-of-service", "https://transak.com/terms-of-service-us" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 4, "security": 6, "cost": 5, "range": 4, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "transak", "rank": 61, "category_rank": 6 }, { "id": "lfj", "name": "LFJ (formerly Trader Joe)", "category": "dex", "website": "https://lfj.gg", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "No US restriction could be confirmed or ruled out: lfj.gg/terms returned HTTP 403 on 2026-10-05 and the docs have no restricted-jurisdictions page.", "us_status_source": "https://docs.lfj.gg/llms.txt", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No platform fee on the Swap page; 1% platform fee on premium trading tools; pool fees and gas apply", "trading_fee_note": "Pool fees plus 1% platform fee on premium order types only", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://docs.lfj.gg/trading-platform/platform-fees.md" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Paladin (Liquidity Book V2.2, DEX, lending, Rocket Joe), HashEx (DEX), Ackee (Tokenomics V2), Certora and Code4rena (Rocket Joe)", "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Avalanche", "Arbitrum", "Monad", "BNB Chain", "Solana", "Ethereum" ], "model": "CLMM", "protocol_fee_note": "Liquidity Book (bin-based DLMM) pool fees; rates vary by pool.", "interface_fee_note": "No platform fee on the Swap page; 1% on limit, DCA, stop-loss, Terminal market orders and Trenches purchases", "tvl_usd": 18980000, "volume_30d_usd": 163820000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/lfj", "governance_token": "JOE", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Avalanche token swaps", "summary": "LFJ, formerly Trader Joe, is a decentralized exchange built on its Liquidity Book design, with most liquidity on Avalanche and smaller deployments on Arbitrum and Monad. Basic swaps carry no platform fee, while limit, DCA and stop-loss orders cost 1%. DefiLlama showed about $19 million in TVL and $164 million in 30-day volume on October 5, 2026.", "pros": [ "No platform fee on standard Swap page trades", "Audits by Paladin, HashEx, Ackee and Certora listed", "Limit, DCA and stop-loss order tools" ], "cons": [ "1% platform fee on limit, DCA and stop-loss orders", "TVL about $19 million", "Terms page returned 403; US access unverified" ], "sources": [ "https://defillama.com/protocol/lfj", "https://docs.lfj.gg/", "https://docs.lfj.gg/trading-platform/platform-fees.md", "https://docs.lfj.gg/additional-information/platform-and-developer-documents/audits_6881007.md", "https://docs.lfj.gg/llms.txt" ], "confidence": "low", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 3, "security": 8, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 4 }, "cost_basis": "default" }, "slug": "lfj", "rank": 62, "category_rank": 3 }, { "id": "cow-swap", "name": "CoW Swap", "category": "dex_aggregator", "website": "https://swap.cow.fi", "operator_us": "CoW Hosting Limited (interface provider, British Virgin Islands)", "parent_company": null, "founded_year": null, "hq": "British Virgin Islands", "us_status": "available", "us_status_note": "CoW Swap Terms and Conditions (last updated July 2025) exclude only sanctioned or embargoed jurisdictions and listed persons; US persons are not excluded.", "us_status_source": "https://cow.fi/legal/cowswap-terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Trades any token with available liquidity; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Volume fee 2 bps (0.3 bps stables/RWAs) plus 50% of quote improvement, capped at 0.98%", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network costs are built into the execution price; funds stay in the user's wallet", "other_fees": "Out-of-market limit orders: 50% of surplus, capped at 0.98% of volume", "fees_url": "https://docs.cow.fi/governance/fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": false }, "products_note": "Market, limit and TWAP orders; trades settle through CoW Protocol solver auctions.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Ethereum", "Gnosis", "Arbitrum", "Base", "Polygon", "Avalanche", "BSC" ], "model": "RFQ_intent", "protocol_fee_note": "Volume fee 2 bps standard assets, 0.3 bps correlated assets; 50% of quote improvement or surplus, capped at 0.98%", "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": 3506547756, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/cowswap", "governance_token": "COW", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Intent-based swaps", "summary": "CoW Swap is an interface to CoW Protocol, where solvers compete in batch auctions to fill swap, limit and TWAP orders. The site is run by CoW Hosting Limited in the British Virgin Islands. Fees are a 2-basis-point volume fee plus half of any quote improvement, capped at 0.98%. DefiLlama showed $3.51 billion in 30-day volume on October 5, 2026.", "pros": [ "Terms do not exclude US persons", "Network costs built into price; no separate gas payment", "Volume fee 2 bps; 0.3 bps on stablecoin pairs" ], "cons": [ "Half of quote improvement taken, capped at 0.98%", "No fiat on-ramp or customer support desk confirmed", "Smart-contract auditors not listed on pages checked" ], "sources": [ "https://cow.fi/legal/cowswap-terms", "https://docs.cow.fi/governance/fees", "https://defillama.com/protocol/cowswap" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "cow-swap", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 63, "category_rank": 2 }, { "id": "matcha", "name": "Matcha", "category": "dex_aggregator", "website": "https://matcha.xyz", "operator_us": "ZeroEx, Inc.", "parent_company": "ZeroEx, Inc. (0x)", "founded_year": 2020, "hq": null, "us_status": "available", "us_status_note": "Matcha Terms of Service (ZeroEx, Inc., last updated July 15, 2025) exclude US-sanctioned persons and embargoed jurisdictions and state that ZeroEx 'does not offer securities or derivatives services in the United States or to U.S. persons'; spot swaps are not barred.", "us_status_source": "https://matcha.xyz/terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.25% fee on most swaps; none on stablecoin-to-stablecoin; cross-chain 0.40%; gas extra in Standard mode", "trading_fee_note": "Limit orders 0.25% (0.02% stable pairs); cross-chain 0.04% stable pairs; Matcha may keep price surplus", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://help.matcha.xyz/articles/1222339831-are-there-any-fees-to-make-a-trade" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": false }, "products_note": "Limit, stop-loss and take-profit orders; gasless 'Matcha Auto'; cross-chain swaps. No securities or derivatives services for US persons.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": "0", "ios_ratings_n": 0, "ios_url": "https://apps.apple.com/us/app/matcha-make-every-trade-count/id6757766468", "ios_app_name": "Matcha: Make Every Trade Count" }, "support_channels": null, "dex": { "chains": [ "Ethereum", "Robinhood Chain", "BSC", "Base", "Polygon", "Arbitrum", "Avalanche", "Celo", "Fantom", "Hyperliquid L1", "OP Mainnet" ], "model": "aggregator", "protocol_fee_note": "Built on 0x; underlying pool fees are included in quotes.", "interface_fee_note": "0.25% on most pairs, 0% stablecoin-to-stablecoin (Matcha Standard and Matcha Auto); limit orders 0.25% (0.02% stable pairs); cross-chain 0.40% (0.04% stable pairs).", "tvl_usd": 0, "volume_30d_usd": 960580000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/0x", "governance_token": "ZRX", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Gasless aggregated swaps", "summary": "Matcha is a non-custodial DEX aggregator operated by ZeroEx, Inc., the company behind the 0x protocol. It charges 0.25% on most swaps and 0% on stablecoin-to-stablecoin swaps, with cross-chain swaps at 0.40%. Terms last updated July 15, 2025 exclude sanctioned persons, not US persons. DefiLlama showed $960.6 million in 30-day 0x aggregator volume on October 5, 2026.", "pros": [ "0% fee on stablecoin-to-stablecoin swaps", "Fee schedule is published in the help center", "Operated by a named US-terms entity, ZeroEx, Inc." ], "cons": [ "0.25% fee on most pairs", "Cross-chain swaps cost 0.40%", "May keep trade surplus above the quoted price" ], "sources": [ "https://matcha.xyz/terms", "https://help.matcha.xyz/articles/1222339831-are-there-any-fees-to-make-a-trade", "https://help.matcha.xyz/collections/7752246105-faq-1", "https://defillama.com/protocol/0x", "https://apps.apple.com/us/app/matcha-make-every-trade-count/id6757766468" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "matcha", "rank": 64, "category_rank": 3 }, { "id": "velora", "name": "Velora (formerly ParaSwap)", "category": "dex_aggregator", "website": "https://www.velora.xyz", "operator_us": "Laita Labs Ltd", "parent_company": "Velora Foundation", "founded_year": 2019, "hq": null, "us_status": "available", "us_status_note": "Velora Terms of Use (last updated Apr 1, 2025) bar sanctioned territories and listed persons but not US persons; section 3.4.2 excludes Americans from incentive programs.", "us_status_source": "https://www.velora.xyz/tos", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No Velora service fee per its terms; Velora may keep trade surplus; gas extra", "trading_fee_note": "No charge on website or API per terms; partner fees possible", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://www.velora.xyz/tos" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": false }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Ethereum", "OP Mainnet", "BSC", "Avalanche", "Polygon", "Base", "Arbitrum", "Fantom", "Polygon zkEVM" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "'The Service is delivered without charges, whether on the Website or through the API'; the Partnership API carries a fee.", "tvl_usd": 0, "volume_30d_usd": 1367000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/velora", "governance_token": "VLR", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Fee-free aggregated swaps", "summary": "Velora, formerly ParaSwap, is a non-custodial DEX aggregator operated by Laita Labs Ltd for the Velora Foundation. Its terms, last updated April 1, 2025, say the service is delivered without charges and do not exclude US persons, though Americans cannot join incentive programs. DefiLlama showed $1.37 billion in 30-day volume across nine chains on October 5, 2026.", "pros": [ "Terms state the service is delivered without charges", "Terms do not exclude US persons", "Supports intent-based limit orders and cross-chain swaps" ], "cons": [ "Americans are excluded from incentive programs", "VLR market cap about $775,000 per DefiLlama", "Terms list China among prohibited territories" ], "sources": [ "https://www.velora.xyz/tos", "https://defillama.com/protocol/velora" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "velora", "rank": 65, "category_rank": 4 }, { "id": "1inch", "name": "1inch", "category": "dex_aggregator", "website": "https://1inch.com", "operator_us": "Degensoft Ltd. (British Virgin Islands)", "parent_company": null, "founded_year": 2019, "hq": "Road Town, Tortola, British Virgin Islands", "us_status": "available", "us_status_note": "1inch.com Terms of Use (last updated Sept 14, 2026) exclude sanctioned 'Restricted Persons' and 'Prohibited Localities' and ban VPN circumvention; US persons are not named as excluded.", "us_status_source": "https://configs.1inch.io/frontend/legal/1inch_com_terms_of_use.pdf", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No 1inch interface fee; protocol-level fees may apply; swap surplus may go to resolvers; gas extra", "trading_fee_note": "No interface fee currently; governance-set protocol fees may apply", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://configs.1inch.io/frontend/legal/1inch_com_terms_of_use.pdf" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": false }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2025, "type": "exploit", "summary": "Arbitrary-external-call exploit on Mar 7, 2025 with about $5 million lost, per DefiLlama.", "source": "https://defillama.com/protocol/1inch" }, { "year": 2024, "type": "hack", "summary": "Supply-chain attack on Oct 31, 2024 with about $723,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/1inch" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": false, "ios_rating": 4, "ios_ratings_count": "685", "ios_ratings_n": 685, "ios_url": "https://apps.apple.com/us/app/1inch-defi-crypto-wallet/id1546049391", "ios_app_name": "1inch: DeFi Crypto Wallet" }, "support_channels": null, "dex": { "chains": [ "Ethereum", "BSC", "Polygon", "Arbitrum", "OP Mainnet" ], "model": "aggregator", "protocol_fee_note": "Protocol-level fees may apply to certain transactions, set by 1inch Network governance.", "interface_fee_note": "'Access to the Interface is currently made available by 1inch without charge'; fees may be introduced and would be displayed in the product.", "tvl_usd": 3480000, "volume_30d_usd": 2924000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/1inch", "governance_token": "1INCH", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Multi-chain price routing", "summary": "1inch is a non-custodial DEX aggregator that routes swaps across liquidity sources on 19 chains; its interface is operated by Degensoft Ltd. of the British Virgin Islands. Terms updated September 14, 2026 exclude sanctioned persons and localities but do not name US persons. DefiLlama showed $2.92 billion in 30-day aggregator volume on October 5, 2026.", "pros": [ "Interface currently offered without charge per terms", "Routes across 19 chains per DefiLlama", "Terms do not name US persons as excluded" ], "cons": [ "$5 million exploit in March 2025", "Operator is a British Virgin Islands company", "Terms reserve the right to add fees" ], "sources": [ "https://configs.1inch.io/frontend/legal/1inch_com_terms_of_use.pdf", "https://defillama.com/protocol/1inch", "https://apps.apple.com/us/app/1inch-defi-crypto-wallet/id1546049391" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 3, "security": 5, "cost": 5, "range": 4.3, "popularity": 3.2, "data_quality": 7 }, "cost_basis": "default" }, "slug": "1inch", "rank": 66, "category_rank": 5 }, { "id": "bitstamp", "name": "Bitstamp by Robinhood", "category": "cex", "website": "https://www.bitstamp.net", "operator_us": "Bitstamp USA, Inc.", "parent_company": "Robinhood Markets, Inc.", "founded_year": 2011, "hq": "Luxembourg City, Luxembourg (global HQ)", "us_status": "available", "us_status_note": "Bitstamp USA, Inc. appears on the NYDFS regulated-entities list with a virtual currency license (April 2019); Robinhood closed its acquisition of Bitstamp on June 2, 2025.", "us_status_source": "https://www.dfs.ny.gov/virtual_currency_businesses", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "BitLicense", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Robinhood states Bitstamp holds over 50 active licenses and registrations worldwide" }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "7.5K", "ios_ratings_n": 7475, "ios_url": "https://apps.apple.com/us/app/bitstamp-by-robinhood-buy-btc/id1406825640", "ios_app_name": "Bitstamp by Robinhood: Buy BTC" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Long-running licensed exchange", "summary": "Bitstamp, founded in 2011, is a crypto exchange that Robinhood acquired in a deal announced at $200 million and closed on June 2, 2025. Its US entity, Bitstamp USA, Inc., holds a New York virtual currency license issued in 2019. Current US fees, asset count and state coverage could not be read from the official site during this research and should be checked directly.", "pros": [ "New York BitLicense held since 2019", "Operating since 2011", "Owned by Robinhood since June 2025" ], "cons": [ "US fee schedule could not be verified here", "US asset count and state list not verified" ], "sources": [ "https://www.dfs.ny.gov/virtual_currency_businesses", "https://robinhood.com/us/en/newsroom/robinhood-completes-acquisition-of-bitstamp/", "https://en.wikipedia.org/wiki/Bitstamp", "https://blog.bitstamp.net/post/quick-buy-and-sell-new-york/", "https://apps.apple.com/us/app/bitstamp-by-robinhood-buy-btc/id1406825640" ], "confidence": "low", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 9, "regulation": 2, "security": 6, "cost": 5, "range": 4, "popularity": 5.2, "data_quality": 4 }, "cost_basis": "default" }, "slug": "bitstamp", "rank": 67, "category_rank": 16 }, { "id": "backpack", "name": "Backpack Exchange", "category": "cex", "website": "https://backpack.exchange", "operator_us": "Trek Labs, Inc.", "parent_company": null, "founded_year": null, "hq": null, "us_status": "limited", "us_status_note": "As of September 2026 Backpack's state page lists 21 states plus DC and the US Virgin Islands as available; 29 states, including New York, Texas and Florida, are marked coming soon or pending.", "us_status_source": "https://support.backpack.exchange/legal/us-licenses-registrations-and-regulatory-disclosures/states-where-we-operate", "states_not_served": [ "AL", "AK", "AZ", "AR", "CT", "FL", "GA", "ID", "KS", "KY", "LA", "ME", "MA", "MN", "NE", "NV", "NM", "NY", "NC", "ND", "OH", "PA", "RI", "SD", "TN", "TX", "VT", "WA", "WV" ], "states_note": "Available: CA, CO, DE, HI, IL, IN, IA, MD, MI, MS, MO, MT, NH, NJ, OK, OR, SC, UT, VA, WI, WY, DC and the US Virgin Islands. Puerto Rico is also coming soon; the Tennessee application is pending.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2665675", "ny_license": "None", "state_licenses_note": "Licensed in CA (DFPI Digital Financial Assets Law), DE, DC, IL, IA, MD, MS, MO, NH, NJ, OK, OR and SC; listed as available without a license number in CO, HI, IN, MI, MT, UT, VA, WI and WY", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "FinCEN MSB registration no. 31000339714338; non-US affiliates cite MiCA (EU), CySEC/MiFID II and Dubai VARA licenses" }, "assets": { "crypto_count_us": null, "crypto_count_note": "US asset list not found on the pages checked", "stablecoins_note": "USDT/USDC pair trades at 0% fee per the fee page" }, "fees": { "spot_maker_pct": 0.08, "spot_taker_pct": 0.1, "simple_buy_fee": null, "trading_fee_note": "Tier 1 spot 0.08% maker / 0.10% taker; tiers by 30-day volume or staked BP down to 0% maker / 0.025% taker (VIP 5); USDT/USDC pair 0%", "ach_deposit": null, "wire_deposit": "No fee (per Backpack homepage)", "card_purchase": null, "usd_withdrawal": "Wire: no fee (per Backpack homepage)", "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://support.backpack.exchange/exchange/trading/trading-fees" }, "min_deposit_usd": null, "funding_methods": [ "Wire", "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Backpack's global site advertises spot, perpetual futures, lending and borrowing and 24/7 stock trading; which of these are open to US accounts at Trek Labs, Inc. was not confirmed.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - daily proof of reserves, verified by OtterSec (per Backpack homepage)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": null, "ios_rating": 4.4, "ios_ratings_count": "235", "ios_ratings_n": 235, "ios_url": "https://apps.apple.com/us/app/backpack-trade-invest-earn/id6445964121", "ios_app_name": "Backpack: Trade, Invest & Earn" }, "support_channels": [ "Email", "Live chat", "Discord", "Telegram", "Help center" ], "dex": null, "derivatives": null, "best_for": "Daily proof of reserves", "summary": "Backpack Exchange serves US customers through Trek Labs, Inc., a FinCEN-registered business. As of September 2026 its state list shows 21 states plus DC as available, including California under a DFPI digital asset license, while 29 states such as New York, Texas and Florida are marked coming soon or pending. The site advertises fee-free USD wires and daily proof of reserves verified by OtterSec.", "pros": [ "California DFPI digital asset license; licensed in 13 jurisdictions", "Daily proof of reserves verified by OtterSec", "USD wire transfers advertised with no fee either way" ], "cons": [ "Unavailable in 29 states, including New York, Texas and Florida", "Help center documents USD wires but not ACH" ], "sources": [ "https://support.backpack.exchange/legal/us-licenses-registrations-and-regulatory-disclosures/states-where-we-operate", "https://support.backpack.exchange/legal/us-licenses-registrations-and-regulatory-disclosures", "https://backpack.exchange", "https://support.backpack.exchange/exchange/trading/trading-fees", "https://support.backpack.exchange/exchange/exchange-account/identity-verification/supported-regions", "https://support.backpack.exchange/llms.txt", "https://support.backpack.exchange/", "https://apps.apple.com/us/app/backpack-trade-invest-earn/id6445964121" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.2, "pillars": { "access": 3.7, "regulation": 4, "security": 7.5, "cost": 9.4, "range": 4.6, "popularity": 2.2, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "backpack", "rank": 68, "category_rank": 17 }, { "id": "mercuryo", "name": "Mercuryo", "category": "onramp_swap", "website": "https://mercuryo.io", "operator_us": "MoneyDream LLC", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Mercuryo's help article (updated Aug 14, 2026) says it is available in most US states except New York and Vermont; US customers contract with MoneyDream LLC, a Delaware company.", "us_status_source": "https://help.mercuryo.io/hc/en-gb/articles/14495497209885-Is-Mercuryo-Available-in-the-United-States", "states_not_served": [ "NY", "VT" ], "states_note": "USDC and USDT transactions unavailable in Texas; fiat withdrawals to bank cards not available to US customers.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "US terms state that MoneyDream LLC does not hold licenses and works with unnamed third-party providers; the licenses page lists only Canada, Spain, UK and EEA registrations" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Official asset table shows UK and EEA availability only; no US-specific count", "stablecoins_note": "USDC and USDT unavailable in Texas" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Up to 5.5% on purchases (global help-center figure); final quote shown before payment", "trading_fee_note": "Sell fee up to 3.95%; swap fee up to 2.5% depending on pair", "ach_deposit": null, "wire_deposit": null, "card_purchase": "Up to 5.5% (global figure)", "usd_withdrawal": "Fiat withdrawal to bank card not available in the US", "crypto_withdrawal": "Network fee only", "other_fees": "Fast Track purchases up to 5% extra", "fees_url": "https://help.mercuryo.io/hc/en-gb/articles/14495507432989-What-fees-do-you-charge" }, "min_deposit_usd": null, "funding_methods": [ "Card" ], "products": { "spot": true, "advanced_trading": false, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "US terms cover buying, selling and card-linked crypto-to-fiat conversion; no custody or wallet hosting for US users.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (no custody under US terms)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "1.1K", "ios_ratings_n": 1143, "ios_url": "https://apps.apple.com/us/app/mercuryo-bitcoin-cryptowallet/id1446533733", "ios_app_name": "Mercuryo Bitcoin Cryptowallet" }, "support_channels": [ "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Card crypto purchases", "summary": "Mercuryo is a crypto on-ramp whose US service is provided by MoneyDream LLC of Delaware. Its help center says it serves most US states but not New York or Vermont, and Texas residents cannot trade USDC or USDT. US users verify with a driver's license or state ID plus SSN and pay by Visa or Mastercard. Purchase fees run up to 5.5%.", "pros": [ "Available in most US states, per help center", "Visa and Mastercard accepted for US purchases", "Fee quote shown before payment is confirmed" ], "cons": [ "Not available in New York or Vermont", "US terms say MoneyDream holds no licenses", "Purchase fees up to 5.5%" ], "sources": [ "https://help.mercuryo.io/hc/en-gb/articles/14495497209885-Is-Mercuryo-Available-in-the-United-States", "https://mercuryo.io/legal/terms-US/", "https://mercuryo.io/legal/licenses/", "https://help.mercuryo.io/hc/en-gb/articles/14495507432989-What-fees-do-you-charge", "https://help.mercuryo.io/hc/en-gb/articles/38374256283933-What-are-the-fees-for-Swap", "https://help.mercuryo.io/hc/en-gb/articles/14495532693021-Where-Is-Mercuryo-Widget-Wallet-Available", "https://apps.apple.com/us/app/mercuryo-bitcoin-cryptowallet/id1446533733" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "mercuryo", "score": { "total": 5.1, "pillars": { "access": 9.8, "regulation": 0, "security": 7, "cost": 5, "range": 4.2, "popularity": 3.6, "data_quality": 7 }, "cost_basis": "default" }, "rank": 69, "category_rank": 7 }, { "id": "jumper", "name": "Jumper", "category": "dex_aggregator", "website": "https://jumper.xyz", "operator_us": null, "parent_company": "LI.FI", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Jumper Terms of Business (Ultima Liquiditas JE BVI Ltd., dated October 05, 2026) list restricted jurisdictions (Belarus, Cuba, Iran, North Korea, Russia, Syria, Venezuela and others) that do not include the United States; OFAC-sanctioned persons are barred.", "us_status_source": "https://jumper.xyz/terms-of-business", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Terms: \"We may charge fees for some or part of the Functionality\"; no schedule verified", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Ethereum", "Base", "BNB Chain", "Arbitrum", "Polygon", "Avalanche", "Fantom", "Blast" ], "model": "bridge_aggregator", "protocol_fee_note": null, "interface_fee_note": "Terms reserve the right to charge fees; rate not verified", "tvl_usd": null, "volume_30d_usd": 2112830000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/li.fi", "governance_token": null, "us_frontend_access": "open" }, "derivatives": null, "best_for": "Cross-chain swaps, US-accessible", "summary": "Jumper is a cross-chain swap and bridge aggregator built on LI.FI routing and operated by Ultima Liquiditas JE BVI Ltd. Its Terms of Business list restricted jurisdictions that do not include the United States. DefiLlama showed LI.FI routing $1.27 billion in bridge-aggregator and $845 million in DEX-aggregator volume over 30 days as of October 5, 2026, across 65 chains.", "pros": [ "United States not on the terms' restricted-jurisdiction list", "LI.FI routing covers 65 chains per DefiLlama", "No hacks listed on DefiLlama's LI.FI page" ], "cons": [ "Operator is a British Virgin Islands company", "Fee rates not published in the terms", "Volume figures cover all LI.FI integrators, not Jumper alone" ], "sources": [ "https://jumper.xyz/terms-of-business", "https://defillama.com/protocol/li.fi" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "jumper", "rank": 70, "category_rank": 6 }, { "id": "orca", "name": "Orca", "category": "dex", "website": "https://www.orca.so", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Orca's official blocked-regions list (read 2026-10-05) names sanctioned and high-risk countries and does not include the United States.", "us_status_source": "https://docs.orca.so/support/blocked-regions", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Pool fee 0.01%-2% depending on pool, shown before the swap; plus Solana network fees", "trading_fee_note": "Pool fee tiers 0.01%-2%; 87% LPs / 12% treasury / 1% Climate Fund", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://docs.orca.so/liquidity/concepts/trading-fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Solana", "Eclipse" ], "model": "CLMM", "protocol_fee_note": "Pool fee tiers from 0.01% to 2%; 87% to LPs, 12% to the protocol treasury, 1% to the Climate Fund. Adaptive-fee pools can charge more than the base tier.", "interface_fee_note": null, "tvl_usd": 321520000, "volume_30d_usd": 7943000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/orca", "governance_token": "ORCA", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Solana concentrated liquidity", "summary": "Orca is a concentrated-liquidity exchange on Solana. Its published blocked-regions list covers sanctioned and high-risk countries and does not name the United States. Pools use fee tiers from 0.01% to 2%, with 87% paid to liquidity providers. DefiLlama showed about $322 million in TVL and $7.94 billion in 30-day volume on October 5, 2026.", "pros": [ "United States absent from the official blocked-regions list", "Nine pool fee tiers from 0.01% to 2%", "No protocol charge to create pools or positions" ], "cons": [ "TVL about $322 million, well below 30-day volume leaders", "Audit reports not located in official docs index" ], "sources": [ "https://defillama.com/protocol/orca", "https://docs.orca.so/support/blocked-regions", "https://docs.orca.so/liquidity/concepts/trading-fees", "https://docs.orca.so/reference/fees", "https://docs.orca.so/llms.txt" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "orca", "rank": 71, "category_rank": 4 }, { "id": "osmosis", "name": "Osmosis", "category": "dex", "website": "https://osmosis.zone", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "No US restriction could be confirmed or ruled out: the Osmosis disclaimer page did not render on 2026-10-05 and the docs do not address jurisdictions.", "us_status_source": "https://docs.osmosis.zone/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Swap fee (pool spread factor plus protocol taker fee) included in the quote; plus network gas", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Osmosis" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 11060000, "volume_30d_usd": 41410000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/osmosis-dex", "governance_token": "OSMO", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Cosmos IBC assets", "summary": "Osmosis is an automated market maker that runs on its own Cosmos-based blockchain and trades assets bridged over IBC. OSMO is used for staking, governance and fees. Activity is modest: DefiLlama showed about $11.1 million in TVL and $41 million in 30-day volume on October 5, 2026, with an OSMO market cap near $28 million.", "pros": [ "Dedicated app chain for Cosmos ecosystem assets", "OSMO used for staking and governance", "No hacks listed on its DefiLlama page" ], "cons": [ "TVL only about $11 million", "30-day volume about $41 million", "Disclaimer page did not load; US access unverified" ], "sources": [ "https://defillama.com/protocol/osmosis-dex", "https://docs.osmosis.zone/", "https://app.osmosis.zone/disclaimer", "https://docs.osmosis.zone/integrate/fees.md" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "osmosis", "rank": 72, "category_rank": 5 }, { "id": "relay", "name": "Relay", "category": "dex_aggregator", "website": "https://relay.link", "operator_us": "Uneven Labs, Inc.", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Relay's Terms of Use (updated Aug 21, 2026) are with Uneven Labs, Inc., a Delaware corporation, and bar sanctioned persons and jurisdictions but do not exclude United States persons.", "us_status_source": "https://relay.link/terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Relay fee: 0% bridging, 0.01% stablecoin swaps, 0.06% major swaps, 0.15% minor swaps; $0.02 flat execution fee", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Integrator app fees may be added on top of Relay quotes", "fees_url": "https://docs.relay.link/references/api/api_core_concepts/fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Cross-chain swap and bridge app plus Relay APIs and RelayKit for integrators; homepage also lists Vaults.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Ethereum", "Optimism", "BNB Chain", "Polygon", "Gnosis", "Unichain", "Monad", "Sonic", "zkSync Era", "World Chain" ], "model": "bridge_aggregator", "protocol_fee_note": "0%-0.15% Relay fee by route type, plus $0.02 execution fee", "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Low-fee cross-chain swaps", "summary": "Relay is a cross-chain swap and bridge platform built by Uneven Labs, Inc., a Delaware corporation. Its terms, updated August 21, 2026, bar sanctioned persons but do not exclude US users. The site claims 85+ supported chains and $20B+ settled. Relay charges 0% on bridging and 0.01%-0.15% on swaps, plus a $0.02 execution fee.", "pros": [ "Operated by a US (Delaware) company", "Published fee tiers from 0% to 0.15%", "Terms do not exclude United States persons" ], "cons": [ "No DefiLlama volume or TVL figure found", "Operator may block wallets at its discretion", "Integrator apps can add their own fees" ], "sources": [ "https://relay.link/terms", "https://docs.relay.link/references/api/api_core_concepts/fees", "https://relay.link/", "https://api.relay.link/chains" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "relay", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 73, "category_rank": 7 }, { "id": "velodrome", "name": "Velodrome", "category": "dex", "website": "https://velodrome.finance", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "No US restriction could be confirmed or ruled out: Velodrome's legal page is JavaScript-only and did not load on 2026-10-05.", "us_status_source": "https://velodrome.finance/legal", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Pool swap fee, 0.02% by default, up to 1% per pool; network gas extra", "trading_fee_note": "Default trading fee for both pool types is 0.02%, adjustable per pool up to 1%; fees go to veVELO voters", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://github.com/velodrome-finance/docs/blob/main/content/liquidity.mdx" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "OP Mainnet", "Ink", "Fraxtal", "Soneium", "Celo", "Unichain", "BOB", "Lisk", "Mode", "Superseed" ], "model": "AMM", "protocol_fee_note": "Trading fees and incentives go to veVELO voters (vote-escrow NFT holders).", "interface_fee_note": null, "tvl_usd": 41240000, "volume_30d_usd": 606410000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/velodrome", "governance_token": "VELO", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "OP Stack chain swaps", "summary": "Velodrome is a vote-escrow automated market maker that started on Optimism and now runs on about ten OP Stack chains. Holders who lock VELO vote on emissions and receive protocol fees and incentives. DefiLlama showed about $41 million in TVL, mostly on OP Mainnet, and $606 million in 30-day volume on October 5, 2026.", "pros": [ "Runs on about ten OP Stack chains", "Protocol fees are paid to veVELO voters", "About $606 million in 30-day volume" ], "cons": [ "TVL about $41 million, small for a multichain exchange", "Legal terms did not load; US access unverified", "Audit list not verified" ], "sources": [ "https://defillama.com/protocol/velodrome", "https://velodrome.finance/legal", "https://velodrome.finance/docs", "https://github.com/velodrome-finance/docs", "https://raw.githubusercontent.com/velodrome-finance/docs/main/content/liquidity.mdx", "https://github.com/velodrome-finance/docs/blob/main/content/liquidity.mdx" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "velodrome", "rank": 74, "category_rank": 6 }, { "id": "shapeshift", "name": "ShapeShift", "category": "wallet_swap", "website": "https://shapeshift.com", "operator_us": null, "parent_company": "ShapeShift DAO", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "ShapeShift's FAQ (read Oct 5, 2026) says the platform is accessible worldwide and needs no KYC, and its terms of service name no excluded countries.", "us_status_source": "https://shapeshift.com/faq", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Governed by ShapeShift DAO (FOX token holders); terms say it is not affiliated with ShapeShift AG" }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Flat 0.55% ShapeShift fee on every trade, plus network fees", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://shapeshift.com/faq" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Bring-your-own-wallet DeFi interface with its own ShapeShift Wallet, cross-chain swaps and a swap widget/API; FOX is the governance token.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2024, "type": "settlement", "summary": "March 5, 2024: predecessor company ShapeShift AG settled SEC unregistered-dealer charges for its 2014-2021 platform with a $275,000 penalty.", "source": "https://www.sec.gov/files/litigation/admin/2024/34-99676.pdf" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "82", "ios_ratings_n": 82, "ios_url": "https://apps.apple.com/us/app/shapeshift-crypto-platform/id996569075", "ios_app_name": "ShapeShift: Crypto Platform" }, "support_channels": [ "Help center" ], "dex": { "chains": [ "Ethereum", "Bitcoin", "Cosmos", "Avalanche", "BNB Chain", "Optimism", "Arbitrum", "Solana" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "Flat 0.55% ShapeShift fee on every trade", "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": "FOX", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Multichain swaps without KYC", "summary": "ShapeShift is a non-custodial DeFi platform governed by the ShapeShift DAO through the FOX token. It works with users' own wallets or its own ShapeShift Wallet and routes swaps across Ethereum, Bitcoin, Cosmos, Solana and other chains. Its FAQ says it is accessible worldwide without KYC, and it charges a flat 0.55% fee per trade.", "pros": [ "No KYC to trade or connect a wallet", "Flat 0.55% fee published in the FAQ", "Swaps across Bitcoin, Ethereum, Cosmos and Solana" ], "cons": [ "0.55% fee is higher than many DEX aggregators", "No accountable company; run by a DAO", "Predecessor ShapeShift AG settled SEC charges in 2024" ], "sources": [ "https://shapeshift.com/faq", "https://app.shapeshift.com/#/legal/terms-of-service", "https://www.sec.gov/files/litigation/admin/2024/34-99676.pdf", "https://defillama.com/protocol/shapeshift", "https://apps.apple.com/us/app/shapeshift-crypto-platform/id996569075" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "shapeshift", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 3, "security": 6.3, "cost": 5, "range": 4.5, "popularity": 1.3, "data_quality": 7 }, "cost_basis": "default" }, "rank": 75, "category_rank": 10 }, { "id": "choice", "name": "Choice (by Kingdom Trust)", "category": "crypto_ira", "website": "https://www.choiceapp.io", "operator_us": "WAO Fintech (platform); Digital Trust (custodian)", "parent_company": "WAO Fintech", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "As of Oct 2026 choiceapp.io is open for IRA sign-ups, with Digital Trust, a Nevada-regulated custodian, holding accounts; kingdomtrust.com redirects to the Choice site.", "us_status_source": "https://www.choiceapp.io/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": "Digital Trust: Nevada-regulated custodian (qualified custodian under the Investment Advisers Act of 1940 and 26 USC 408)", "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Bitcoin and other cryptocurrencies, plus stocks, ETFs and gold; crypto count not published on pages opened", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Site states no trade fees on digital asset trading (spread not disclosed on pages opened)", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Cold storage option: $0 setup plus 1% annual custody fee on digital assets. Self-custody option: $625 setup plus $13.33 per month ($20 minimum monthly fee).", "fees_url": "https://www.choiceapp.io/" }, "min_deposit_usd": 0, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Single IRA holding bitcoin, crypto, stocks, ETFs and gold; a 'Hold Your Own Keys' option lets the IRA owner self-custody bitcoin.", "custody_model": "hybrid", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.7, "ios_ratings_count": "1.5K", "ios_ratings_n": 1497, "ios_url": "https://apps.apple.com/us/app/choice-bitcoin-in-your-ira/id1563472237", "ios_app_name": "Choice: Bitcoin in your IRA" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "Self-custody bitcoin IRA", "summary": "Choice is a retirement account platform operated by WAO Fintech with Digital Trust, a Nevada-regulated custodian. One IRA can hold bitcoin, other crypto, stocks, ETFs and gold. The cold storage option has no setup fee and a 1% annual custody fee; a self-custody option costs $625 to set up plus $13.33 per month. The site states no trade fees and no minimum balance.", "pros": [ "Self-custody option to hold your own keys in an IRA", "No account minimum and no stated trade fees", "Crypto, stocks, ETFs and gold in one IRA" ], "cons": [ "1% annual custody fee on cold-storage digital assets", "Self-custody option costs $625 setup plus monthly fee", "Spread on trades is not disclosed" ], "sources": [ "https://www.choiceapp.io/", "https://www.choiceapp.io/kingdom-trust", "https://www.kingdomtrust.com/", "https://apps.apple.com/us/app/choice-bitcoin-in-your-ira/id1563472237" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5.1, "pillars": { "access": 9, "regulation": 1.5, "security": 6, "cost": 5, "range": 4.6, "popularity": 3.9, "data_quality": 7 }, "cost_basis": "default" }, "slug": "choice", "rank": 76, "category_rank": 3 }, { "id": "bitcoin-well", "name": "Bitcoin Well", "category": "bitcoin_only", "website": "https://bitcoinwell.com/us", "operator_us": "Independent Well USA Corp. (d/b/a Bitcoin Well)", "parent_company": "Bitcoin Well Inc. (TSXV: BTCW; OTCQB: BCNWF)", "founded_year": null, "hq": "Edmonton, Alberta, Canada", "us_status": "available", "us_status_note": "US residents can use the online Bitcoin Portal through Independent Well USA Corp.; the company's About page (checked Oct 2026) says the Portal covers all 50 US states.", "us_status_source": "https://bitcoinwell.com/about", "states_not_served": null, "states_note": "About page says the online platform is available in all 50 US states; DC is not mentioned. Terms (effective Oct 1, 2026) let Independent Well restrict states but list none.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "TSXV: BTCW; OTCQB: BCNWF (parent)", "other": "Company cites FinCEN MSB registration number 31000308454032 for the US entity (a Wyoming corporation); the Canadian parent cites FINTRAC registration M19811620." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1.2% spread on buys and 1.2% spread on sells in the US Bitcoin Portal", "trading_fee_note": "Portal rates do not apply to Bitcoin Well Infinite, the OTC service for transfers of $50,000 or more (pricing not published).", "ach_deposit": "No separate fee listed (cost is in the 1.2% spread)", "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "No withdrawal fee listed; sale proceeds are sent to a bank account", "crypto_withdrawal": "No withdrawal fee; purchases are delivered directly to the customer's own wallet", "other_fees": "No account fees", "fees_url": "https://bitcoinwell.com/us/rates" }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": true, "otc_desk": true, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only and non-custodial: purchases go straight to the customer's own wallet and sales are made from it, with USD paid to a bank account. Also lists a Bitcoin IRA and the Infinite OTC service for $50,000+. The parent's bitcoin ATMs operate in Canada only.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Chat", "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Non-custodial bitcoin purchases", "summary": "Bitcoin Well is a non-custodial bitcoin platform from Edmonton-based Bitcoin Well Inc. (TSXV: BTCW), serving US customers through Independent Well USA Corp., a FinCEN-registered money services business. Purchases funded by ACH are sent directly to the customer's own wallet. The US portal charges a 1.2% spread on buys and sells with no account or withdrawal fees. It reported over 20,000 registered US users in March 2026.", "pros": [ "Bitcoin delivered straight to the buyer's own wallet", "Flat 1.2% spread; no account or withdrawal fees", "Parent company is publicly traded (TSXV: BTCW; OTCQB: BCNWF)" ], "cons": [ "Small US footprint: about 20,000 registered users (March 2026)", "No state-by-state availability list found on official pages", "Requires users to manage their own bitcoin wallet" ], "sources": [ "https://bitcoinwell.com/us", "https://bitcoinwell.com/us/buy-bitcoin", "https://bitcoinwell.com/us/rates", "https://bitcoinwell.com/us/terms-of-service", "https://bitcoinwell.com/about", "https://bitcoinwell.com/press-releases/apr-6-2026-bitcoin-well-reports-strong-us-market-traction", "https://help.bitcoinwell.com/en/category/usa-1tnvgk9/", "https://finance.yahoo.com/news/bitcoin-well-announces-instant-buy-113000346.html" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 5, "range": 2.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "bitcoin-well", "rank": 77, "category_rank": 6 }, { "id": "balancer", "name": "Balancer", "category": "dex", "website": "https://balancer.fi", "operator_us": "Balancer Foundation and Balancer OpCo Limited (website operators)", "parent_company": null, "founded_year": null, "hq": "Cayman Islands", "us_status": "available", "us_status_note": "Balancer Terms of Use (last updated November 2025) bar sanctioned persons and use where local law prohibits it; US persons are not excluded.", "us_status_source": "https://balancer.fi/terms-of-use", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless pools; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": null, "trading_bots": null, "copy_trading": false, "nft": null, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": false }, "products_note": "Swaps and liquidity provision in Balancer pools through the balancer.fi interface.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Certora (per Balancer security docs); bug bounty on Immunefi", "insurance_note": null, "incidents": [ { "year": 2025, "type": "exploit", "summary": "Nov 3, 2025: rounding-error exploit of Balancer V2 pools on six chains, about $128 million lost, per DefiLlama.", "source": "https://defillama.com/protocol/balancer" }, { "year": 2026, "type": "exploit", "summary": "Aug 30, 2026: rounding-error exploit of Balancer V1 on Ethereum, about $234,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/balancer" }, { "year": 2023, "type": "exploit", "summary": "Aug 2023: spot-price manipulation of Balancer V2 pools, about $800,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/balancer" }, { "year": 2023, "type": "hack", "summary": "Sept 2023: front-end compromise, about $238,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/balancer" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Ethereum", "Monad", "Polygon", "Arbitrum", "Base", "Hyperliquid L1" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 49735277, "volume_30d_usd": 258795628, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/balancer", "governance_token": "BAL", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Custom multi-token pools", "summary": "Balancer is a decentralized exchange whose website is run by the Cayman Islands-based Balancer Foundation and Balancer OpCo Limited. Its terms do not exclude US persons. DefiLlama showed about $49.7 million in TVL and $259 million in 30-day volume on October 5, 2026. A November 2025 exploit of V2 pools drained about $128 million across six chains.", "pros": [ "Terms do not exclude US persons", "Deployed on Ethereum and at least nine other chains", "Formal verification by Certora cited in official docs" ], "cons": [ "About $128 million lost in November 2025 V2 exploit", "TVL about $49.7 million per DefiLlama", "Pool fees not published on a single official page" ], "sources": [ "https://balancer.fi/terms-of-use", "https://raw.githubusercontent.com/balancer/frontend-monorepo/main/apps/frontend-v3/app/(marketing)/terms-of-use/page.tsx", "https://docs.balancer.fi/developer-reference/contracts/security.md", "https://defillama.com/protocol/balancer" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "balancer", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 6, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 78, "category_rank": 7 }, { "id": "curve", "name": "Curve", "category": "dex", "website": "https://www.curve.finance", "operator_us": "Swiss Stake AG (website operator)", "parent_company": null, "founded_year": null, "hq": "Zug, Switzerland", "us_status": "available", "us_status_note": "Curve's website terms (Swiss Stake AG) exclude persons under UN, US, EU or Swiss sanctions and SECO-embargoed countries; the United States is not on the list (read 2026-10-05).", "us_status_source": "https://www.curve.finance/dex/ethereum/legal/?tab=terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless pools; no fixed asset count", "stablecoins_note": "Issues the crvUSD stablecoin; scrvUSD savings version" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": null, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": null, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": false }, "products_note": "Same website covers the DEX, crvUSD, scrvUSD savings and Llamalend lending markets (legal disclaimer tabs).", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "ChainSecurity, MixBytes, StateMind, Quantstamp", "insurance_note": null, "incidents": [ { "year": 2023, "type": "exploit", "summary": "July 30, 2023: Vyper compiler reentrancy bug exploited in several Curve pools, about $61.7 million lost, per DefiLlama.", "source": "https://defillama.com/protocol/curve-dex" }, { "year": 2022, "type": "hack", "summary": "Aug 9, 2022: DNS hijack of the Curve front end, about $575,000 taken, recorded as returned by DefiLlama.", "source": "https://defillama.com/protocol/curve-dex" }, { "year": 2026, "type": "exploit", "summary": "March 2026: donation attack on a Llamalend market, about $240,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/curve-finance" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Ethereum", "Fraxtal", "Arbitrum", "Base", "Etherlink", "Monad" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 1294763153, "volume_30d_usd": 3044438378, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/curve-dex", "governance_token": "CRV", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Stablecoin swaps", "summary": "Curve is a decentralized exchange focused on stablecoins and similar assets; its website is run by Swiss Stake AG of Zug, Switzerland. The same site offers the crvUSD stablecoin and Llamalend lending markets. DefiLlama showed about $1.29 billion in DEX TVL, mostly on Ethereum, and $3.04 billion in 30-day volume on October 5, 2026.", "pros": [ "$1.29 billion DEX TVL per DefiLlama", "Audits by ChainSecurity, MixBytes, StateMind and Quantstamp", "Terms exclude sanctioned countries, not US persons" ], "cons": [ "About $61.7 million lost in July 2023 exploit", "Terms reserve the right to geo-restrict access", "Pool fee levels not confirmed from official pages" ], "sources": [ "https://www.curve.finance/dex/ethereum/legal/?tab=terms", "https://raw.githubusercontent.com/curvefi/curve-frontend/main/packages/evm-ui/src/widgets/Legal/components/tabs/Terms.tsx", "https://docs.curve.finance/user/security/audits.md", "https://defillama.com/protocol/curve-dex" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "curve", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 6, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 79, "category_rank": 8 }, { "id": "raydium", "name": "Raydium", "category": "dex", "website": "https://raydium.io", "operator_us": null, "parent_company": null, "founded_year": 2021, "hq": null, "us_status": "available", "us_status_note": "No US exclusion was found in the Raydium docs pages opened on 2026-10-05; the official terms/disclaimer page could not be loaded, so front-end geo-blocking is unverified.", "us_status_source": "https://docs.raydium.io/raydium", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Pool swap fee: 0.25% on Standard AMM pools; 0.01%-1% tiers on CLMM/CPMM pools", "trading_fee_note": "CLMM 0.01/0.05/0.25/1%, CPMM 0.01/0.25/1%, AMM v4 0.25%; 12% of fee to RAY buyback", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://docs.raydium.io/ray/protocol-fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Audits in 2021, late 2022-early 2023, Q2 2023 and Q1 2024 per official docs (auditor names not captured); Immunefi bug bounty", "insurance_note": null, "incidents": [ { "year": 2026, "type": "exploit", "summary": "DefiLlama lists a $1.34M loss on June 10, 2026, classified as a token and share accounting (infinite mint) exploit.", "source": "https://defillama.com/protocol/raydium" }, { "year": 2022, "type": "hack", "summary": "DefiLlama lists a $4.4M loss on December 16, 2022, classified as social engineering/malware.", "source": "https://defillama.com/protocol/raydium" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Solana" ], "model": "AMM", "protocol_fee_note": "Pool fee split: CLMM and CPMM pools 84% to LPs, 12% RAY buybacks, 4% treasury; Standard AMM v4 88% to LPs, 12% RAY buybacks. Pool creation costs 0.15 SOL.", "interface_fee_note": null, "tvl_usd": 1358000000, "volume_30d_usd": 9862000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/raydium", "governance_token": "RAY", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Solana pool liquidity", "summary": "Raydium is an automated market maker on Solana, live since 2021, with constant-product and concentrated-liquidity pools. DefiLlama showed about $1.36 billion in TVL and $9.86 billion in 30-day volume on October 5, 2026. Most swap fees go to liquidity providers, with 12% used for RAY buybacks. DefiLlama lists exploits in 2022 and June 2026.", "pros": [ "About $1.36 billion TVL, the largest in this Solana group", "Permissionless pool creation for 0.15 SOL", "Immunefi bug bounty and repeated program audits" ], "cons": [ "Exploits in December 2022 ($4.4M) and June 2026 ($1.34M)", "Official terms page did not load; US access unverified" ], "sources": [ "https://defillama.com/protocol/raydium", "https://docs.raydium.io/raydium", "https://docs.raydium.io/raydium/protocol/protocol-fees", "https://docs.raydium.io/raydium/protocol/security", "https://docs.raydium.io/ray/protocol-fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 6, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "raydium", "rank": 80, "category_rank": 9 }, { "id": "sushiswap", "name": "SushiSwap", "category": "dex", "website": "https://www.sushi.com", "operator_us": "Sushi Holdings Ltd.", "parent_company": null, "founded_year": 2020, "hq": null, "us_status": "available", "us_status_note": "Sushi Terms of Service (Sushi Holdings Ltd.) list 24 restricted jurisdictions plus sanctioned persons and ban VPN circumvention; the United States is not on the list (read Oct 5, 2026).", "us_status_source": "https://www.sushi.com/legal/terms-of-service", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Pool fee 0.3% on v2 pools; v3 pools 0.01%, 0.05%, 0.3% or 1%; gas extra", "trading_fee_note": "v2: 0.25% to LPs, 0.05% to SUSHI holders; v3 tier chosen per pool", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://www.sushi.com/faq/product/swap/how-much-are-the-trading-fees-on-sushi" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": false }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "DefiLlama marks audits as 'Yes'; auditor names not verified", "insurance_note": null, "incidents": [ { "year": 2021, "type": "exploit", "summary": "Swap-logic flaw on Jan 27, 2021 with about $103,842 lost, per DefiLlama.", "source": "https://defillama.com/protocol/sushiswap" }, { "year": 2020, "type": "exploit", "summary": "Access-control flaw on Nov 30, 2020 with about $15,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/sushiswap" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Ethereum", "Polygon", "Arbitrum", "Base", "Boba" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 41680000, "volume_30d_usd": 31130000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/sushiswap", "governance_token": "SUSHI", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Long-tail chain coverage", "summary": "SushiSwap is a non-custodial automated market maker operated through an interface by Sushi Holdings Ltd. Its terms list 24 restricted jurisdictions, and the United States is not among them. DefiLlama showed $41.7 million in total value locked across 39 chains and $31.1 million in 30-day volume on October 5, 2026, a small fraction of the largest decentralized exchanges.", "pros": [ "United States is not on the restricted-jurisdiction list", "Deployed on 39 chains per DefiLlama", "No account or identity check required" ], "cons": [ "Only $31.1 million in 30-day volume", "Total value locked of $41.7 million limits trade depth", "Terms page carries no last-updated date" ], "sources": [ "https://www.sushi.com/legal/terms-of-service", "https://defillama.com/protocol/sushiswap", "https://www.sushi.com/faq/product/swap/how-much-are-the-trading-fees-on-sushi" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 6, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "sushiswap", "rank": 81, "category_rank": 10 }, { "id": "thorchain", "name": "THORChain (THORSwap)", "category": "dex", "website": "https://thorchain.org", "operator_us": null, "parent_company": "THORSwap front end: Ferdin Incorporated (Singapore governing law); THORChain itself is a decentralized network", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "THORSwap's Terms of Service (updated September 1, 2026) list twelve restricted jurisdictions and the United States is not among them.", "us_status_source": "https://docs.thorswap.finance/thorswap/resources/terms-of-service", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "THORSwap exchange fee 0.5% on swaps over $100; free under $100; plus THORChain network fees", "trading_fee_note": "50% off for swaps of $1M+; THOR stakers get up to 100% off the service fee", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://docs.thorswap.finance/thorswap/thorswap/fees.md" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Audits listed on DefiLlama (firm names not captured)", "insurance_note": null, "incidents": [ { "year": 2026, "type": "exploit", "summary": "DefiLlama lists a $10.7M loss on May 15, 2026, classified as a bridge logic flaw affecting Bitcoin, Ethereum, Base and BSC.", "source": "https://defillama.com/protocol/thorchain-dex" }, { "year": 2021, "type": "exploit", "summary": "DefiLlama lists an $8M loss on July 22, 2021 from a withdrawal logic flaw on Ethereum.", "source": "https://defillama.com/protocol/thorchain-dex" }, { "year": 2021, "type": "exploit", "summary": "DefiLlama lists a $5M loss on July 15, 2021 from a bridge logic flaw on Ethereum.", "source": "https://defillama.com/protocol/thorchain-dex" }, { "year": 2021, "type": "exploit", "summary": "DefiLlama lists a $350,000 loss on June 29, 2021 from a bridge logic flaw on Ethereum.", "source": "https://defillama.com/protocol/thorchain-dex" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "THORChain", "Bitcoin", "Ethereum", "BNB Chain", "Bitcoin Cash", "Avalanche", "Dogecoin", "XRP Ledger", "Litecoin", "Tron", "Cosmos Hub", "Base", "Solana" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": "THORSwap may charge a fee on some transactions, shown before the swap and taken in the destination token", "tvl_usd": 71950000, "volume_30d_usd": 2370000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/thorchain-dex", "governance_token": "RUNE", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Native cross-chain swaps", "summary": "THORChain is a Cosmos SDK network that swaps native assets across chains, such as BTC for ETH, without wrapped tokens; THORSwap is one front end, run by Ferdin Incorporated under Singapore law. Its terms do not list the United States as restricted. DefiLlama showed $72 million in TVL, $2.37 billion in 30-day volume, and four exploits, the latest in May 2026.", "pros": [ "Swaps native BTC, ETH, XRP and more without wrapping", "THORSwap terms do not restrict the United States", "About $2.37 billion in 30-day volume" ], "cons": [ "Four exploits listed, including $10.7M in May 2026", "TVL about $72 million", "Front-end fee applies on some swaps" ], "sources": [ "https://defillama.com/protocol/thorchain-dex", "https://docs.thorswap.finance/thorswap/resources/terms-of-service", "https://docs.thorchain.org/", "https://docs.thorswap.finance/thorswap/thorswap/fees.md" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 3, "security": 6, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "thorchain", "rank": 82, "category_rank": 11 }, { "id": "cme-group", "name": "CME Group", "category": "derivatives", "website": "https://www.cmegroup.com", "operator_us": "Chicago Mercantile Exchange Inc. (CME)", "parent_company": "CME Group Inc. (NASDAQ: CME)", "founded_year": 1898, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "US individuals can trade CME crypto futures and options only through a futures broker (FCM or introducing broker); crypto contracts have traded 24/7 since May 29, 2026.", "us_status_source": "https://www.cmegroup.com/articles/faqs/frequently-asked-questions-cryptocurrency-futures.html", "states_not_served": null, "states_note": "No state restrictions were found at exchange level; availability depends on the broker used.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "CFTC-regulated futures exchange and clearing house (CME describes its crypto market as a 'CFTC-regulated marketplace'); customers trade through CFTC-registered FCMs or introducing brokers", "sec_finra": null, "bank_charter": null, "public_company": "NASDAQ: CME", "other": null }, "assets": { "crypto_count_us": 9, "crypto_count_note": "Nine underlying cryptocurrencies confirmed with listed futures as of Oct 2026 (BTC, ETH, SOL, XRP, ADA, LINK, XLM, AVAX, SUI); derivatives only, no spot. CME's site says Bitcoin Cash and Uniswap futures start Oct 19, 2026, pending regulatory review.", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Per-contract exchange fee plus the broker's commission. Exchange fees passed through by two US brokers (Oct 2026): Bitcoin futures $7.50, Micro Bitcoin $1.15, Ether $5.50, Micro Ether $0.10 per side.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "NFA assessment fee of about $0.02 per contract side is collected by the broker", "fees_url": "https://www.cmegroup.com/company/clearing-fees.html" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": false, "advanced_trading": null, "futures": true, "perpetuals": false, "options": true, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": null, "otc_desk": false, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Exchange only: CME takes no retail accounts or deposits, so funding, apps, tax forms and account types depend on the broker. Futures and options on futures are cash-settled in US dollars. 24/7 trading runs with short maintenance windows.", "custody_model": null, "security": { "proof_of_reserves": "N/A (cash-settled futures; no customer crypto held)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": { "contracts": [ "Bitcoin futures (5 BTC)", "Micro Bitcoin futures (0.1 BTC)", "Ether futures (50 ETH)", "Micro Ether futures (0.1 ETH)", "Solana futures (500 SOL) and Micro Solana futures", "XRP futures (50,000 XRP) and Micro XRP futures (2,500 XRP)", "Cardano, Chainlink and Stellar futures, standard and micro", "Avalanche and Sui futures, standard and micro", "Options on Bitcoin, Ether, Solana and XRP futures, including micro options", "Bitcoin Friday futures and options", "Spot-Quoted Bitcoin, Ether, Solana and XRP futures", "Bitcoin Volatility futures", "Nasdaq CME Crypto Index futures", "Ether/Bitcoin Ratio futures" ], "access": "Via FCM / broker", "fee_note": "Exchange fee per contract side as passed through by brokers (Oct 2026): $7.50 Bitcoin, $1.15 Micro Bitcoin, $5.50 Ether, $0.10 Micro Ether; broker commission and a $0.02 NFA fee are added.", "leverage_note": "No fixed leverage multiple: margin is set by CME Clearing and the broker and moves with volatility. Brokers listed about $1,880 to $2,070 initial margin for one Micro Bitcoin contract (0.1 BTC) in Oct 2026." }, "best_for": "Regulated crypto futures", "summary": "CME Group lists cash-settled futures on nine cryptocurrencies, including Bitcoin, Ether, Solana and XRP, plus options and micro-sized contracts, on its CFTC-regulated exchange. Crypto products have traded 24/7 since May 29, 2026. Individuals cannot open an account with CME; access runs through a futures broker, which sets commissions and margin. Contracts settle in US dollars, so no crypto changes hands.", "pros": [ "Crypto futures and options trade 24/7 since May 29, 2026", "Micro contracts sized at 0.1 bitcoin and 0.1 ether", "Futures on nine cryptocurrencies, all cash-settled in US dollars" ], "cons": [ "No direct retail accounts; a futures broker is required", "Derivatives only: no spot crypto and no crypto withdrawals", "Exchange fees apply on top of broker commissions" ], "sources": [ "https://www.cmegroup.com/media-room/press-releases/2026/6/01/cme_group_announceslaunchof247cryptocurrencyfuturesandoptionstra.html", "https://www.cmegroup.com/markets/cryptocurrencies.html", "https://www.cmegroup.com/articles/faqs/frequently-asked-questions-cryptocurrency-futures.html", "https://www.cmegroup.com/company/clearing-fees.html", "https://www.cmegroup.com/company/files/cme-fee-schedule-2026-10-01.pdf", "https://www.interactivebrokers.com/en/accounts/fees/CME.php", "https://www.tradestation.com/pricing/exchange-execution-and-clearing-fees/", "https://ninjatrader.com/pricing/margins/", "https://www.tradestation.com/pricing/futures-margin-requirements/" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 2.5, "security": 6, "cost": 5, "range": 5.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "cme-group", "rank": 83, "category_rank": 3 }, { "id": "ninjatrader", "name": "NinjaTrader", "category": "derivatives", "website": "https://ninjatrader.com", "operator_us": "NinjaTrader Clearing, LLC d/b/a NinjaTrader, Kraken Derivatives US (FCM); NinjaTrader, LLC", "parent_company": "NinjaTrader Group, LLC, owned by Payward (parent company of Kraken) since May 1, 2025", "founded_year": 2003, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "NinjaTrader's CFTC-registered FCM offers CME and Coinbase Derivatives crypto futures to US retail traders; Kraken completed its acquisition of NinjaTrader on May 1, 2025.", "us_status_source": "https://ninjatrader.com/futures/futures-contracts/cryptocurrency/", "states_not_served": null, "states_note": "No state exclusions were found on the pages reviewed; not explicitly confirmed.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "FCM registered with the CFTC and NFA member: NinjaTrader Clearing, LLC d/b/a NinjaTrader, Kraken Derivatives US (NFA ID 0309379)", "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Kraken said it will keep operating NinjaTrader as a standalone platform; the same FCM provides US futures and spot margin inside Kraken Pro" }, "assets": { "crypto_count_us": 4, "crypto_count_note": "Crypto futures on four underlyings (BTC, ETH, SOL, XRP) per the official margins page, Oct 2026; no spot crypto", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Free plan: $0.39 per micro futures contract per side, plus exchange, clearing and NFA fees", "trading_fee_note": "Free plan $0.39 Micro / $1.29 Standard per side; Monthly ($99/mo) $0.29 / $0.99; Lifetime ($1,499) $0.09 / $0.59; exchange, clearing and NFA fees extra", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Optional plans cost $99 per month or $1,499 one-time; exchange, clearing and NFA fees apply to every contract", "fees_url": "https://ninjatrader.com/pricing/" }, "min_deposit_usd": 5, "funding_methods": [ "ACH", "Debit card" ], "products": { "spot": false, "advanced_trading": true, "futures": true, "perpetuals": true, "options": null, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": null, "otc_desk": false, "api": null, "trading_bots": null, "copy_trading": null, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Futures only. Perpetual exposure is through Coinbase Derivatives nano Bitcoin and nano Ether perpetual-style futures. Spot crypto is not offered inside NinjaTrader; clients can register separately for Kraken Pro, and funds do not move automatically between the two. A free simulator is included.", "custody_model": "custodial", "security": { "proof_of_reserves": "N/A (cash-settled futures; no customer crypto held)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": true, "desktop": true, "ios_rating": 3.9, "ios_ratings_count": "846", "ios_ratings_n": 846, "ios_url": "https://apps.apple.com/us/app/ninjatrader-futures-trading/id6473653053", "ios_app_name": "NinjaTrader | Futures Trading" }, "support_channels": [ "Phone", "Live chat", "Online support requests" ], "dex": null, "derivatives": { "contracts": [ "CME Bitcoin and Micro Bitcoin futures", "CME Ether and Micro Ether futures", "CME Solana and Micro Solana futures", "CME XRP and Micro XRP futures", "Coinbase Derivatives nano Bitcoin, nano Solana and nano XRP futures", "Coinbase Derivatives nano Bitcoin and nano Ether perpetual-style futures" ], "access": "Direct retail app (NinjaTrader is the broker and FCM; contracts trade on CME and Coinbase Derivatives)", "fee_note": "Commission per side for micro and nano contracts: $0.39 (Free plan), $0.29 ($99 monthly plan) or $0.09 ($1,499 Lifetime plan); standard contracts $1.29, $0.99 or $0.59. Exchange, clearing and NFA fees are added.", "leverage_note": "Day-trade margins listed Oct 2026: $100 Micro Bitcoin, $50 Micro Ether, $50 Micro Solana, $50 Micro XRP, $130 nano Bitcoin perpetual-style. Positions held past the session need exchange initial margin (about $1,884 for Micro Bitcoin, $81 for Micro Ether)." }, "best_for": "Active micro futures traders", "summary": "NinjaTrader is a US futures broker owned by Payward, the parent of Kraken, since May 2025. Through NinjaTrader Clearing, LLC, a CFTC-registered futures commission merchant, it offers Bitcoin, Ether, Solana and XRP futures listed on US exchanges, including micro, nano and perpetual-style contracts. Commissions run from $0.09 to $0.39 per micro contract side depending on plan, plus exchange fees. It offers no spot crypto.", "pros": [ "Micro commissions from $0.09 per side on the Lifetime plan", "Day-trade margin of $100 for Micro Bitcoin futures", "No minimum balance; ACH or debit deposits from $5" ], "cons": [ "Lowest commissions require a $1,499 Lifetime or $99 monthly plan", "Futures only; no spot crypto or crypto withdrawals", "iOS app rated 3.9 from 846 ratings" ], "sources": [ "https://ninjatrader.com/pricing/", "https://ninjatrader.com/pricing/margins/", "https://ninjatrader.com/futures/futures-contracts/cryptocurrency/", "https://ninjatrader.com/futures/futures-contracts/micro-futures/", "https://ninjatrader.com/", "https://support.kraken.com/articles/us-futures-kraken-pro", "https://www.businesswire.com/news/home/20250501627804/en", "https://apps.apple.com/us/app/ninjatrader-trade-futures/id6473653053", "https://www.coindesk.com/business/2026/05/04/kraken-parent-payward-closes-usd550-million-bitnomial-deal-securing-full-cftc-derivatives-stack", "https://apps.apple.com/us/app/ninjatrader-futures-trading/id6473653053" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 1.5, "security": 6, "cost": 5, "range": 4.3, "popularity": 3.4, "data_quality": 7 }, "cost_basis": "default" }, "slug": "ninjatrader", "rank": 84, "category_rank": 4 }, { "id": "itrustcapital", "name": "iTrustCapital", "category": "crypto_ira", "website": "https://www.itrustcapital.com", "operator_us": "ITC2.0, Inc. (d/b/a iTrustCapital)", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Official site (checked Oct 2026) offers Traditional, Roth and SEP crypto IRAs, a non-IRA Premium Custody Account and Treasury accounts to US investors.", "us_status_source": "https://www.itrustcapital.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "iTrustCapital states it is a fintech software platform and not an exchange, custodian, trust company, broker-dealer or investment adviser. IRA custodial services are provided by iTrust Custodial Services and/or Fortis Bank; stocks and ETFs are offered through Apex Clearing Corporation (SEC-registered broker-dealer, FINRA and SIPC member)." }, "assets": { "crypto_count_us": 100, "crypto_count_note": "Official help article (updated Aug 11, 2026) says 'over 90 digital assets' and its table lists 100 tickers incl. USDC; TON and XDC are IRA-only", "stablecoins_note": "USDC is supported and earns rewards paid monthly; no fee to convert between USD and USDC" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1% per cryptocurrency buy or sell", "trading_fee_note": "Q strategy trades cost 0.10% with a subscription ($0 for positions of $1,000-$24,999, $49 per month for $25,000-$99,999, $99 per month for $100,000+; the site says no subscription fees until 2027). Stock and ETF trades are commission-free; precious metals are priced over spot per ounce. Per-transaction limits of $20 minimum and $500,000 maximum are shown for some assets.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Distribution by ACH free; by wire $15", "crypto_withdrawal": null, "other_fees": "No monthly, annual, setup or exit fees; $15 wire fee on transfers out", "fees_url": "https://www.itrustcapital.com/fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": true, "earn_yield": true, "lending_borrowing": false, "recurring_buys": null, "crypto_card": false, "stocks_etfs": true, "ira": true, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Traditional, Roth and SEP IRAs holding crypto, stocks and ETFs, and gold, silver and platinum. The non-IRA Premium Custody Account allows in-kind crypto deposits and withdrawals to an external wallet. Q Strategies are AI-formulated quantitative trading strategies. Clients cannot choose the custody partner.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.1, "ios_ratings_count": "154", "ios_ratings_n": 154, "ios_url": "https://apps.apple.com/us/app/itrustcapital-buy-crypto-24-7/id1578933123", "ios_app_name": "iTrustCapital: Buy Crypto 24/7" }, "support_channels": [ "Phone", "Help center" ], "dex": null, "derivatives": null, "best_for": "No-monthly-fee crypto IRA", "summary": "iTrustCapital, operated by ITC2.0, Inc., is a self-directed retirement platform offering crypto, stocks and ETFs, and precious metals in Traditional, Roth and SEP IRAs, plus a non-IRA Premium Custody Account. Crypto trades cost 1% with no monthly, setup or exit fees. IRA custody is provided by iTrust Custodial Services and Fortis Bank, and the company reports 300,000+ accounts and $18 billion in transactions.", "pros": [ "No monthly, annual, setup or exit fees", "Flat 1% crypto fee on buys and sells", "Crypto, stocks, ETFs and precious metals in one IRA" ], "cons": [ "Clients cannot choose which custody partner holds assets", "Phone support limited to weekdays, 7AM-5PM Pacific", "$15 wire fee on distributions and transfers out" ], "sources": [ "https://www.itrustcapital.com/fees", "https://www.itrustcapital.com/", "https://www.itrustcapital.com/legal", "https://help.itrustcapital.com/", "https://help.itrustcapital.com/hc/en-us/articles/45584336168595-Which-Digital-Assets-are-Available", "https://apps.apple.com/us/app/itrustcapital-buy-crypto-24-7/id1578933123" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 0, "security": 6, "cost": 5, "range": 8.8, "popularity": 1.9, "data_quality": 7 }, "cost_basis": "default" }, "slug": "itrustcapital", "rank": 85, "category_rank": 4 }, { "id": "nexo", "name": "Nexo", "category": "cex", "website": "https://nexo.com/us", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Nexo announced its return to the US on Feb 16, 2026, with trading infrastructure provided by Bakkt; the states covered are not published on the pages read.", "us_status_source": "https://nexo.com/blog/nexo-returns-to-the-us", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "US trading infrastructure provided by Bakkt, a publicly listed US platform, per Nexo" }, "assets": { "crypto_count_us": 30, "crypto_count_note": "'30+ assets' to buy per nexo.com/us, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Credit lines advertised from 0.9% annual interest", "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "ACH", "Wire" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Flexible and fixed-term yield (advertised up to 16% annually, tier-dependent; $5,000 minimum balance to earn interest), crypto-backed credit lines, exchange, loyalty program; Private Clients tier at $100,000+.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2023, "type": "settlement", "summary": "Nexo Capital agreed on Jan 19, 2023 to pay $45 million to the SEC and state regulators over its unregistered Earn Interest Product.", "source": "https://www.sec.gov/newsroom/press-releases/2023-11" } ] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.2, "ios_ratings_count": "2K", "ios_ratings_n": 1964, "ios_url": "https://apps.apple.com/us/app/nexo-crypto-wealth-platform/id1455341917", "ios_app_name": "Nexo: Crypto Wealth Platform" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Crypto-backed credit lines", "summary": "Nexo returned to the US on February 16, 2026, offering flexible and fixed-term yield, an exchange with 30+ assets, and crypto-backed credit lines, with trading infrastructure provided by Bakkt. Earning interest requires a $5,000 minimum balance. Nexo paid $45 million in 2023 to settle SEC and state claims over its earlier interest product. State availability is not published.", "pros": [ "Crypto-backed credit lines advertised from 0.9% annually", "ACH and wire on- and off-ramps", "Trading infrastructure supplied by publicly listed Bakkt" ], "cons": [ "$5,000 minimum balance to earn interest", "Paid $45 million SEC and state settlement in 2023", "State availability and fee schedule not published" ], "sources": [ "https://nexo.com/blog/nexo-returns-to-the-us", "https://nexo.com/us", "https://www.sec.gov/newsroom/press-releases/2023-11", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/nexo-crypto-wealth-platform/id1455341917" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 5, "pillars": { "access": 9, "regulation": 0, "security": 5.3, "cost": 5, "range": 6.9, "popularity": 4.1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "nexo", "rank": 86, "category_rank": 18 }, { "id": "unchained", "name": "Unchained", "category": "bitcoin_only", "website": "https://www.unchained.com", "operator_us": "Unchained Trading, LLC (trading desk); Unchained Capital, Inc. (loans)", "parent_company": null, "founded_year": null, "hq": "Austin, TX, USA", "us_status": "available", "us_status_note": "Help center (checked Oct 2026) lists the trading desk as available in 48 states, DC, Puerto Rico and the US Virgin Islands, and not available in New York or New Jersey.", "us_status_source": "https://help.unchained.com/trading-desk-states", "states_not_served": [ "NJ", "NY" ], "states_note": "The exclusions apply to the trading desk (buying and selling bitcoin); availability of vault-only accounts in New York and New Jersey was not verified.", "ny_available": false, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": "2273761", "ny_license": "None", "state_licenses_note": "Legal page lists state money transmitter licenses for Unchained Trading, LLC (NMLS 2273761) in 35+ jurisdictions, with New York and New Jersey not among them; Unchained Capital, Inc. (NMLS 1900773) originates loans under California Financing Law license 60DBO-78867.", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Unchained states it is not a bank. IRA custodian is Fortis Bank, which delegates key control to an Unchained vault." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "1.0% flat on the trading desk for personal, trust and business vaults; 1.5% for IRA vaults", "trading_fee_note": "Minimum trade $2,000 and maximum $5,000,000 per trade; Signature members receive preferred trading rates.", "ach_deposit": "Not supported", "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Personal vault $250 per year; IRA $250 per year; Signature membership $6,000 in the first year, then $4,500 per year; commercial loans 12.0% interest (14.18% APR), 2% origination fee, $150,000 minimum.", "fees_url": "https://www.unchained.com/pricing" }, "min_deposit_usd": 2000, "funding_methods": [ "Wire" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": true, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": true, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": true, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only. Purchases settle directly into the client's multisig vault; in IRA vaults the client controls two of three keys. Also offers bitcoin-backed commercial loans, inheritance services, business vaults and donor-advised funds. Funding is by wire only.", "custody_model": "hybrid", "security": { "proof_of_reserves": "N/A (client-controlled multisig vaults that clients can verify on-chain)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "74", "ios_ratings_n": 74, "ios_url": "https://apps.apple.com/us/app/unchained-bitcoin-finance/id6457364167", "ios_app_name": "Unchained: Bitcoin Finance" }, "support_channels": [ "Phone", "Email", "Help center" ], "dex": null, "derivatives": null, "best_for": "Collaborative multisig custody", "summary": "Unchained is a Bitcoin-only financial services company in Austin, Texas, built around collaborative multisig vaults in which clients control keys. Its trading desk charges a flat 1% (1.5% in IRAs) with a $2,000 minimum trade and wire-only funding, and delivers bitcoin directly to the client's vault. Trading is available in 48 states and DC, but not New York or New Jersey.", "pros": [ "Purchases settle directly into client-controlled multisig cold storage", "Flat 1% trading fee; personal vault costs $250 per year", "IRA lets clients control two of three keys" ], "cons": [ "$2,000 minimum trade and wire-only funding", "Trading desk not available in New York or New Jersey", "IRA trades cost 1.5% plus a $250 annual fee" ], "sources": [ "https://www.unchained.com/pricing", "https://www.unchained.com/trading-desk", "https://help.unchained.com/trading-desk-states", "https://www.unchained.com/legal-regulatory", "https://help.unchained.com/how-can-i-fund-my-cash-balance-and-what-can-it-be-used-for", "https://help.unchained.com/what-are-the-minimum-and-maximum-trade-sizes-i-can-execute", "https://www.unchained.com/ira", "https://help.unchained.com/unchained-ira", "https://www.unchained.com/", "https://apps.apple.com/us/app/unchained-bitcoin-finance/id6457364167" ], "confidence": "high", "as_of": "2026-10-05", "score": { "total": 4.9, "pillars": { "access": 9.8, "regulation": 2, "security": 6, "cost": 5, "range": 2.6, "popularity": 1.2, "data_quality": 10 }, "cost_basis": "default" }, "slug": "unchained", "rank": 87, "category_rank": 7 }, { "id": "robosats", "name": "RoboSats", "category": "p2p", "website": "https://learn.robosats.org", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "RoboSats is an open-source, Tor-only Lightning P2P exchange; its official site (read Oct 5, 2026) describes it as KYC-free and publishes no exclusion of US users, and the clearnet client loads without a region block.", "us_status_source": "https://learn.robosats.org/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "No legal entity or registration published" }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only (Lightning, with on-chain payouts)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "0.2% platform fee per trade: maker pays 0.025%, taker 0.175%", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Lightning routing or on-chain fees for payouts", "other_fees": null, "fees_url": "https://learn.robosats.org/docs/fees/" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Lightning hold invoices act as bonds and escrow; single-use robot identities; Tor Browser recommended.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "Open-source code on GitHub; no audit report verified", "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Bitcoin (Lightning)" ], "model": "P2P", "protocol_fee_note": "0.2% split 0.025% maker / 0.175% taker", "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Private Lightning bitcoin P2P", "summary": "RoboSats is an open-source peer-to-peer exchange for swapping bitcoin and national currencies over the Lightning Network. It runs as a Tor service, needs no identity verification, and uses Lightning hold invoices as bonds and escrow. The platform fee totals 0.2%, split 0.025% for makers and 0.175% for takers. No US exclusion is published on its official site.", "pros": [ "No identity verification needed to trade", "Low 0.2% total fee, 0.025% for makers", "Lightning escrow settles trades quickly" ], "cons": [ "Bitcoin only", "No legal entity or terms page found", "Tor Browser recommended; setup harder for beginners" ], "sources": [ "https://learn.robosats.org/", "https://learn.robosats.org/docs/fees/", "https://unsafe.robosats.org/" ], "confidence": "low", "as_of": "2026-10-05", "slug": "robosats", "score": { "total": 4.9, "pillars": { "access": 9, "regulation": 3, "security": 8, "cost": 5, "range": 2.3, "popularity": 1, "data_quality": 4 }, "cost_basis": "default" }, "rank": 88, "category_rank": 2 }, { "id": "across", "name": "Across", "category": "dex_aggregator", "website": "https://across.to", "operator_us": null, "parent_company": "Risk Labs", "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Across Terms of Service (Risk Labs, last updated October 22, 2025) bar sanctioned persons and residents of jurisdictions under comprehensive US sanctions, and prohibit VPN circumvention; they do not exclude United States persons.", "us_status_source": "https://across.to/terms-of-service", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Variable LP fee plus relayer fee (gas and capital cost) deducted from amount received; quoted before transfer", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://docs.across.to/introduction/fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2026, "type": "exploit", "summary": "DefiLlama records a $4.5 million loss on Jul 17, 2026 from a spoofed event log affecting the Solana deployment.", "source": "https://defillama.com/protocol/across" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Ethereum", "OP Mainnet", "Polygon", "Arbitrum", "Boba", "Solana" ], "model": "bridge_aggregator", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 21140000, "volume_30d_usd": 7090000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/across", "governance_token": "ACX", "us_frontend_access": "open" }, "derivatives": null, "best_for": "High-volume bridging, US-accessible", "summary": "Across is an intents-based cross-chain bridge operated by Risk Labs and listed on 25 chains by DefiLlama. Its Terms of Service, updated October 22, 2025, bar sanctioned persons and jurisdictions but do not exclude United States persons. DefiLlama showed $7.09 billion in 30-day bridge volume on October 5, 2026, and records a $4.5 million exploit in July 2026.", "pros": [ "Terms do not exclude United States persons", "$7.09B 30-day bridge volume per DefiLlama", "Listed on 25 chains by DefiLlama" ], "cons": [ "$4.5M spoofed-event-log exploit recorded in July 2026", "Terms allow blocking of jurisdictions at operator's discretion", "Fee schedule not verified in this review" ], "sources": [ "https://across.to/terms-of-service", "https://defillama.com/protocol/across", "https://docs.across.to/introduction/fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.9, "pillars": { "access": 9, "regulation": 3, "security": 5.5, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "across", "rank": 89, "category_rank": 8 }, { "id": "aerodrome", "name": "Aerodrome", "category": "dex", "website": "https://aerodrome.finance", "operator_us": "Aerodrome Foundation (website operator)", "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Aerodrome Foundation's Terms of Use (last updated July 28, 2026) exclude only OFAC-sanctioned jurisdictions; US persons are barred only from unregistered tokenized securities.", "us_status_source": "https://aerodrome.finance/terms", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless pools; no fixed asset count. Terms bar US persons from unregistered tokenized securities.", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": null, "ira": false, "otc_desk": false, "api": null, "trading_bots": null, "copy_trading": false, "nft": null, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": false }, "products_note": "Liquidity providers earn AERO emissions; veAERO NFT holders vote on emissions and receive fees and incentives (site description).", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2025, "type": "hack", "summary": "Nov 21, 2025: DNS hijack of the Aerodrome V1 front end, about $700,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/aerodrome" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Base", "Arc" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 409258812, "volume_30d_usd": 14040699959, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/aerodrome", "governance_token": "AERO", "us_frontend_access": "restricted_tokens" }, "derivatives": null, "best_for": "Base network liquidity", "summary": "Aerodrome is a decentralized exchange on Base whose website is run by the Aerodrome Foundation. Liquidity providers earn AERO emissions, and veAERO holders vote on where emissions go. DefiLlama showed about $409 million in TVL, almost all on Base, and $14.0 billion in 30-day volume on October 5, 2026. Its terms bar US persons only from unregistered tokenized securities.", "pros": [ "$14.0 billion 30-day volume per DefiLlama", "Terms exclude sanctioned jurisdictions, not US persons", "Nearly all liquidity concentrated on Base" ], "cons": [ "US persons barred from unregistered tokenized securities", "Front-end DNS hijack cost users about $700,000 in 2025", "Pool fee schedule not confirmed from official pages" ], "sources": [ "https://aerodrome.finance/terms", "https://defillama.com/protocol/aerodrome" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "aerodrome", "score": { "total": 4.9, "pillars": { "access": 9, "regulation": 3, "security": 5.5, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 90, "category_rank": 12 }, { "id": "kyberswap", "name": "KyberSwap", "category": "dex_aggregator", "website": "https://kyberswap.com", "operator_us": "Lumen Forge Technology Ltd. (Seychelles) or KyberDAO Foundation (Cayman Islands)", "parent_company": null, "founded_year": null, "hq": "Seychelles", "us_status": "available", "us_status_note": "KyberSwap Terms of Use (Sept 1, 2026) exclude FATF high-risk, sanctioned and listed jurisdictions; the official excluded-jurisdictions list does not include the United States.", "us_status_source": "https://docs.kyberswap.com/getting-started/quickstart/faq", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Aggregates liquidity across DEXs; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Swaps: no KyberSwap fee; limit orders 0.01%-1%; cross-chain swaps 0.05%-0.25%", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": "Earn (Zap) protocol fee 0.01%-0.25% by pair category", "fees_url": "https://docs.kyberswap.com/kyberswap-solutions/fee-schedule" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": true, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": false }, "products_note": "Swap aggregator with limit orders, cross-chain swaps and liquidity 'Earn' zaps; public APIs named in the terms.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2023, "type": "exploit", "summary": "Nov 22, 2023: rounding-error exploit of KyberSwap Elastic pools on five chains, about $48 million lost, per DefiLlama.", "source": "https://defillama.com/protocol/kyberswap" }, { "year": 2022, "type": "hack", "summary": "Sept 2022: CDN compromise of the KyberSwap front end, about $265,000 lost, per DefiLlama.", "source": "https://defillama.com/protocol/kyberswap" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Ethereum", "BSC", "OP Mainnet", "Avalanche", "Linea", "Scroll", "ZKsync Era" ], "model": "aggregator", "protocol_fee_note": null, "interface_fee_note": "No fee on swaps; limit orders 0.01%-1%; cross-chain 0.05%-0.25%", "tvl_usd": null, "volume_30d_usd": 7410055781, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/kyberswap", "governance_token": "KNC", "us_frontend_access": "open" }, "derivatives": null, "best_for": "Multi-chain swap routing", "summary": "KyberSwap is a DEX aggregator run by Seychelles-based Lumen Forge Technology Ltd., with KyberDAO governance and the KNC token. It charges no fee on standard swaps; limit orders cost 0.01%-1% and cross-chain swaps 0.05%-0.25%. DefiLlama showed $7.41 billion in 30-day aggregator volume across 25 chains on October 5, 2026.", "pros": [ "No KyberSwap fee on standard swaps", "$7.41 billion 30-day aggregator volume per DefiLlama", "US not on official excluded-jurisdictions list" ], "cons": [ "About $48 million lost in November 2023 Elastic exploit", "Limit orders cost up to 1% on new tokens", "Arbitration only in Seychelles under the terms" ], "sources": [ "https://kyberswap.com/files/KyberSwap%20-%20Terms%20of%20Use%20-%2001%20September%202026.pdf", "https://docs.kyberswap.com/getting-started/quickstart/faq", "https://docs.kyberswap.com/kyberswap-solutions/fee-schedule", "https://defillama.com/protocol/kyberswap" ], "confidence": "medium", "as_of": "2026-10-05", "slug": "kyberswap", "score": { "total": 4.9, "pillars": { "access": 9, "regulation": 3, "security": 5, "cost": 5, "range": 4.6, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "rank": 91, "category_rank": 9 }, { "id": "netcoins-usa", "name": "Netcoins USA", "category": "cex", "website": "https://www.netcoins.com/en-us", "operator_us": "Netcoins USA Inc.", "parent_company": "Surge Digital Inc. (TSXV: SRGE), formerly BIGG Digital Assets Inc.", "founded_year": null, "hq": null, "us_status": "limited", "us_status_note": "As of Oct. 5, 2026 the US site says trading is only for clients funding, trading and settling transactions of $25,000 or more, with accounts opened by application.", "us_status_source": "https://www.netcoins.com/en-us", "states_not_served": null, "states_note": "Site says services 'may not be available in all states' and follow Zero Hash LLC's permitted US jurisdictions; no state list is published.", "ny_available": null, "kyc_required": null, "crypto_withdrawals": true, "regulation": { "fincen_msb": true, "nmls_id": "2424687", "ny_license": null, "state_licenses_note": "Crypto transaction and custody services are 'powered by Zero Hash LLC and Netcoins USA Inc.'; availability follows Zero Hash's permitted US jurisdictions", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "TSXV: SRGE (parent Surge Digital Inc.)", "other": "Canadian affiliate is FINTRAC-registered and registered with Canadian securities regulators" }, "assets": { "crypto_count_us": null, "crypto_count_note": "US homepage lists roughly 30 assets while the coins page header says 'over 60' (likely the Canadian list); no US-specific count confirmed", "stablecoins_note": "USDC and USDT appear on the US homepage asset list" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0% trading, funding and withdrawal fees advertised; service limited to transactions of $25,000 or more", "trading_fee_note": "US fees page advertises '0% Trading Fees', '0% Funding Fees' and '0% Withdrawal Fees'; any spread or markup is not disclosed", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": "Advertised as 0% withdrawal fees", "crypto_withdrawal": "Site says clients are not charged network fees", "other_fees": null, "fees_url": "https://netcoins.com/en-us/fees" }, "min_deposit_usd": 25000, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "US offering is application-based: self-directed trading, OTC and API access for transactions of $25,000 or more; eligible applicants hear from an account manager in 1-2 business days.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "AICPA SOC badge shown on the US site; Canadian site cites SOC 2 Type II", "insurance_note": "Site states crypto assets are not covered by FDIC or SIPC", "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Contact form" ], "dex": null, "derivatives": null, "best_for": "Trades above $25,000", "summary": "Netcoins USA is the US arm of Canadian platform Netcoins, owned by Surge Digital Inc. (TSXV: SRGE). Its US site limits trading to clients funding and settling transactions of $25,000 or more, opened through an application form. Netcoins USA Inc. is a registered money services business (NMLS #2424687) that uses Zero Hash LLC, and the site advertises 0% trading, funding and withdrawal fees.", "pros": [ "Advertises 0% trading, funding and withdrawal fees", "Parent company is listed on the TSX Venture Exchange", "OTC desk and API access offered" ], "cons": [ "US trading requires transactions of $25,000 or more", "No published list of supported states", "Account opening is by application, not instant signup" ], "sources": [ "https://www.netcoins.com/en-us", "https://netcoins.com/en-us/fees", "https://netcoins.com/en-us/contact-us", "https://netcoins.com/en-us/coins", "https://www.surgedigital.com/", "https://www.surgedigital.com/news-releases", "https://www.surgedigital.com/news-releases/surge-digital-inc-announces-completion-of-name-change-and-share-consolidation" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.9, "pillars": { "access": 5, "regulation": 5, "security": 8, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "netcoins-usa", "rank": 92, "category_rank": 19 }, { "id": "bisq", "name": "Bisq", "category": "p2p", "website": "https://bisq.network", "operator_us": null, "parent_company": null, "founded_year": null, "hq": null, "us_status": "available", "us_status_note": "Open-source desktop P2P software with no registration or identity verification; the official site (Oct 2026) states no country restriction.", "us_status_source": "https://bisq.network/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.15, "spot_taker_pct": 1.15, "simple_buy_fee": "Bisq Easy (Bisq 2) charges no trade fees; price agreed with the seller, plus Bitcoin network fees", "trading_fee_note": "Bisq 1 fees paid in BTC: 0.15% maker, 1.15% taker (min 0.000075 BTC); paying in BSQ is about 40% cheaper (0.1125% / 0.8625%), rates as of 2026-10-02", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://bisq.wiki/Trading_fees" }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": "non_custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": false, "ios": null, "android": true, "desktop": true, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Bitcoin" ], "model": "P2P", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": null, "us_frontend_access": "open" }, "derivatives": null, "best_for": "No-KYC peer-to-peer bitcoin", "summary": "Bisq is an open-source desktop application for buying and selling bitcoin peer to peer against national currencies or other cryptocurrencies. It has no central operator, no registration and no identity verification. Desktop builds exist for Windows, macOS and Linux (version 1.10.9 as of October 2026), with an Android app, Bisq Easy Mobile, that connects over Tor.", "pros": [ "No registration or identity verification", "Open-source software with no central operator", "Desktop builds for Windows, macOS and Linux" ], "cons": [ "No web app; software must be installed", "iOS app only available through TestFlight" ], "sources": [ "https://bisq.network/", "https://bisq.wiki/Trading_fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.8, "pillars": { "access": 9, "regulation": 3, "security": 7, "cost": 3.1, "range": 4, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "bisq", "rank": 93, "category_rank": 3 }, { "id": "cboe-futures-exchange", "name": "Cboe Futures Exchange (CFE)", "category": "derivatives", "website": "https://www.cboe.com/us/futures/", "operator_us": "Cboe Futures Exchange, LLC", "parent_company": "Cboe Global Markets, Inc. (Cboe BZX: CBOE)", "founded_year": 2004, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "US investors reach CFE's cash-settled Bitcoin and Ether futures through a broker with CFE access; Cboe's site shows the continuous futures (PBT, PET), announced for Dec 15, 2025, as now trading.", "us_status_source": "https://www.cboe.com/tradable-products/cryptocurrency/continuous-futures", "states_not_served": null, "states_note": "No state restrictions were found at exchange level; availability depends on the broker used.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": false, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "CFTC-regulated futures exchange (Cboe Futures Exchange, LLC); crypto futures clear through Cboe Clear U.S., LLC, a CFTC-regulated clearinghouse", "sec_finra": null, "bank_charter": null, "public_company": "Cboe BZX: CBOE (parent Cboe Global Markets, Inc.)", "other": null }, "assets": { "crypto_count_us": 2, "crypto_count_note": "Futures on two underlyings, Bitcoin and Ether, per Cboe's cryptocurrency derivatives page (Oct 2026); cash-settled, no spot", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "CFE transaction fee per contract side (schedule effective Sept 30, 2026): continuous futures PBT/PET $0.02 for customers; financially settled FBT/FET $0.40 for customers. Broker commission and the CFE regulatory fee are extra.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.cboe.com/us/futures/membership/fee_schedule/cfe/" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": false, "advanced_trading": null, "futures": true, "perpetuals": true, "options": false, "margin": false, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": null, "otc_desk": false, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": null, "tax_documents": null }, "products_note": "Bitcoin and Ether futures only. The continuous futures are 10-year contracts with a daily funding adjustment (perpetual-style), not open-ended perpetuals, and trade 23 hours a day, five days a week. Cboe also lists cash-settled Bitcoin U.S. ETF Index options (CBTX, MBTX), which are index options rather than CFE futures.", "custody_model": null, "security": { "proof_of_reserves": "N/A (cash-settled futures; no customer crypto held)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Phone (CFE trade desk)", "Email (CFE trade desk)" ], "dex": null, "derivatives": { "contracts": [ "Cboe Bitcoin Continuous futures (PBT, 0.01 BTC multiplier)", "Cboe Ether Continuous futures (PET)", "Financially Settled Bitcoin futures (FBT)", "Financially Settled Ether futures (FET)", "FTSE Bitcoin Index futures (XBTF)" ], "access": "Via FCM / broker", "fee_note": "CFE customer fee per contract side: $0.02 for PBT and PET, $0.40 for FBT and FET (schedule effective Sept 30, 2026), plus broker commission and the CFE regulatory fee.", "leverage_note": "Margin is set by Cboe Clear U.S. and the broker under CFTC rules; the contract specifications publish no fixed leverage figure. PBT position limit is 850,000 contracts." }, "best_for": "Perpetual-style Bitcoin, Ether futures", "summary": "Cboe Futures Exchange (CFE) lists cash-settled Bitcoin and Ether futures, including continuous futures (PBT, PET) announced for December 15, 2025 and now trading, with 10-year expirations and a daily funding adjustment. The continuous contracts clear through Cboe Clear U.S. and trade 23 hours a day, five days a week. Individuals need a broker with CFE access; the customer exchange fee on them is $0.02 per contract side.", "pros": [ "Perpetual-style BTC and ETH futures with 10-year expirations", "Small contract size: 0.01 bitcoin per PBT contract", "Customer exchange fee of $0.02 per continuous contract side" ], "cons": [ "Only Bitcoin and Ether underlyings are listed", "Trades 23 hours on five days, not 24/7", "Requires a broker; retail broker support was not confirmed" ], "sources": [ "https://www.prnewswire.com/news-releases/cboe-futures-exchange-to-offer-trading-in-continuous-futures-for-bitcoin-and-ether-on-december-15-302617230.html", "https://www.theblock.co/post/379103/cboe-perpetual-style-bitcoin-ether-futures-dec-15", "https://www.cboe.com/us/futures/", "https://www.cboe.com/us/futures/overview/", "https://www.cboe.com/tradable-products/cryptocurrency/continuous-futures", "https://www.cboe.com/tradable-products/cryptocurrency-derivatives/", "https://cdn.cboe.com/resources/membership/Cboe_Bitcoin_Continuous_Futures_Contract_Specifications.pdf", "https://www.cboe.com/us/futures/membership/fee_schedule/cfe/", "https://www.cboe.com/us/futures/brokers/" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.8, "pillars": { "access": 9, "regulation": 2.5, "security": 6, "cost": 5, "range": 3.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "cboe-futures-exchange", "rank": 94, "category_rank": 5 }, { "id": "bitnomial", "name": "Bitnomial", "category": "derivatives", "website": "https://bitnomial.com", "operator_us": "Bitnomial Exchange, LLC (DCM); Bitnomial Clearinghouse, LLC (DCO); Bitnomial Clearing, LLC (FCM)", "parent_company": "Payward (parent company of Kraken); acquisition completed May 1, 2026", "founded_year": 2014, "hq": "Chicago, IL, USA", "us_status": "available", "us_status_note": "Bitnomial says it is open to US residents; futures trading requires verification with its FCM, Bitnomial Clearing, LLC. Payward (Kraken's parent) completed its acquisition of Bitnomial on May 1, 2026.", "us_status_source": "https://bitnomial.com/", "states_not_served": null, "states_note": "No state-by-state availability list was found on Bitnomial's site.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": "DCM (Bitnomial Exchange, LLC, designated 2020); DCO (Bitnomial Clearinghouse, LLC, registered 2023); FCM and NFA member (Bitnomial Clearing, LLC, 2022)", "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Owned by Payward, the parent company of Kraken, since May 2026; Payward says Bitnomial keeps its existing licenses and regulatory structure" }, "assets": { "crypto_count_us": null, "crypto_count_note": "No full asset list was retrieved. Perpetuals were announced on BTC, ETH, SOL, XRP, ADA, LINK, DOGE, LTC and AVAX (Kraken, May 2026); Bitnomial has also announced futures on INJ, XTZ, TRX, USDC and Bitcoin hashrate.", "stablecoins_note": "USDC futures are listed; digital assets are accepted as margin collateral" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Exchange fee $0.10 per side per contract for non-participants ($0.07 participants); Spot Complex 2 bps per side; clearing/FCM fees may apply", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://bitnomial.com/exchange" }, "min_deposit_usd": null, "funding_methods": [ "Crypto", "USD transfer" ], "products": { "spot": true, "advanced_trading": true, "futures": true, "perpetuals": true, "options": true, "margin": true, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": true, "tax_documents": null }, "products_note": "Leveraged spot (up to 6x per Bitnomial), perpetuals, futures, options and prediction markets on one CFTC-regulated exchange. Futures and options are crypto-margined and crypto-settled. Retail trading runs on the Botanical platform; futures accounts are held at Bitnomial Clearing, LLC.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Email", "Help center" ], "dex": null, "derivatives": { "contracts": [ "Perpetual futures on BTC, ETH, SOL, XRP, ADA, LINK, DOGE, LTC and AVAX", "Physically settled Bitcoin futures and options", "XRP, ADA, INJ, XTZ and TRX futures", "USDC futures", "Bitcoin hashrate futures", "Leveraged spot", "Prediction markets on crypto and economic events" ], "access": "Direct retail app (Botanical, with a futures account at Bitnomial Clearing, LLC); also via brokers such as Kraken Derivatives US", "fee_note": "Exchange and clearing fee $0.10 per contract side for non-participants; spot 2 bps per side. Through Kraken, Bitnomial-listed perpetuals cost $0.15 per contract side all-in ($0.03 commission, $0.10 exchange and clearing, $0.02 NFA).", "leverage_note": "Up to 6x leverage on margin trades per Bitnomial; futures margin is set by its clearinghouse. Digital assets are accepted as margin collateral." }, "best_for": "US-regulated perpetual futures", "summary": "Bitnomial is a Chicago-based, CFTC-regulated exchange, clearinghouse and futures broker that lists perpetual futures, crypto-settled futures and options, leveraged spot and prediction markets. US residents can trade through its Botanical platform after verification with its FCM, or through partner brokers. Payward, the parent of Kraken, completed its acquisition of Bitnomial on May 1, 2026. Exchange fees are $0.10 per contract side for non-participants.", "pros": [ "Holds CFTC exchange, clearinghouse and futures broker registrations", "Lists perpetual futures open to US residents", "Accepts digital assets as margin collateral" ], "cons": [ "No state-by-state availability list is published", "Leveraged products can lose more than the initial deposit", "Retail broker commissions are not listed on its fee page" ], "sources": [ "https://bitnomial.com/", "https://bitnomial.com/about", "https://bitnomial.com/market", "https://bitnomial.com/exchange", "https://bitnomial.com/help", "https://botanical.finance/", "https://bitnomial.com/news/2025-12-04/leveraged-retail-spot-exchange/", "https://www.prnewswire.com/news-releases/bitnomial-announces-launch-of-leveraged-retail-spot-crypto-exchange-302633203.html", "https://www.payward.com/press-release/payward-completes-acquisition-of-bitnomial-the-first-fully-cftc-licensed-crypto-native-derivatives-stack-in-the-us", "https://www.coindesk.com/business/2026/05/04/kraken-parent-payward-closes-usd550-million-bitnomial-deal-securing-full-cftc-derivatives-stack", "https://blog.kraken.com/news/payward-acquires-bitnomial", "https://blog.kraken.com/product/kraken-derivatives-us/first-cftc-regulated-perpetual-futures-for-us-traders", "https://support.kraken.com/articles/us-futures-fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.8, "pillars": { "access": 9, "regulation": 1.5, "security": 6, "cost": 5, "range": 5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "bitnomial", "rank": 95, "category_rank": 6 }, { "id": "onramp-bitcoin", "name": "Onramp Bitcoin", "category": "bitcoin_only", "website": "https://onrampbitcoin.com", "operator_us": "Onramp Bitcoin, LLC", "parent_company": null, "founded_year": null, "hq": "Dallas, TX, USA", "us_status": "available", "us_status_note": "Onramp Finance launched on April 21, 2026 with bitcoin brokerage that the company says is available across all 50 states.", "us_status_source": "https://finance.yahoo.com/markets/crypto/articles/onramp-launches-bitcoin-finance-platform-123148550.html", "states_not_served": null, "states_note": "Onramp Finance and its bitcoin brokerage are offered in all 50 US states; Earn account rewards are not available in California or New York. DC not mentioned.", "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Per Onramp's terms, spot trading is handled by BitGo Prime and trading-account custody by BitGo Trust. Vault keys are split among Onramp, BitGo Trust Company (South Dakota-chartered) and CoinCover, with Tetra Trust for business accounts and Kingdom Trust named as an alternate recovery-key partner." }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "0.85% per bitcoin trade (0.65% charged by Onramp plus a 0.20% spread charged by BitGo), per terms updated May 9, 2026", "trading_fee_note": "The Private tier advertises reduced trade fees (rates not published).", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Custody plans: Finance $0 (single qualified custodian); Core from $250 per month (Multi-Institution Custody); Private from 0.04% per month; Business $375 per month plus $500 setup; IRA+ $100 per month.", "fees_url": "https://onrampbitcoin.com/pricing" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": false, "options": false, "margin": false, "staking": false, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": false, "ira": true, "otc_desk": null, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Bitcoin only (the 2026 Onramp Finance launch also announced direct gold ownership, cash rewards of up to 5% and a spending card). Multi-Institution Custody is a 2-of-3 multisig vault with keys held by three institutions; the client holds no keys. Also offers inheritance planning, bitcoin-backed lending and IRAs.", "custody_model": "custodial", "security": { "proof_of_reserves": "Yes - each client vault is a dedicated on-chain address that the client can verify at any time", "proof_of_reserves_url": "https://onrampbitcoin.com/products/multi-institution-custody", "audits_certifications": "SOC 2 Type I (per company site, June 2026)", "insurance_note": "Custody insurance through Canopius, a Lloyd's of London syndicate: up to $50M in aggregate coverage across Onramp's custody operations.", "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "Phone", "Email" ], "dex": null, "derivatives": null, "best_for": "Multi-institution custody", "summary": "Onramp Bitcoin, LLC is a Texas company offering Multi-Institution Custody, a 2-of-3 multisig vault whose keys are held by Onramp, BitGo Trust and CoinCover rather than by the client. Trading costs 0.85% per its terms, and custody plans range from a free single-custodian tier to $250 per month or 0.04% per month. Custody insurance of up to $50 million is placed through a Lloyd's syndicate.", "pros": [ "No single institution can move client bitcoin alone", "Up to $50M aggregate custody insurance via Lloyd's syndicate", "Each vault is a dedicated on-chain address clients can verify" ], "cons": [ "Multi-institution vaults start at $250 per month", "Clients do not hold any private keys", "No published minimum; pricing is aimed at large balances" ], "sources": [ "https://onrampbitcoin.com/pricing", "https://onrampbitcoin.com/products/multi-institution-custody", "https://onrampbitcoin.com/terms", "https://onrampbitcoin.com/", "https://onrampbitcoin.com/knowledge-center/is-onramp-right-for-me", "https://onrampbitcoin.com/knowledge-center/bitcoin-custody-costs-explained-why-onramp-s-pricing-scales-with-security", "https://finance.yahoo.com/markets/crypto/articles/onramp-launches-bitcoin-finance-platform-123148550.html", "https://onrampbitcoin.com/knowledge-center/what-is-onramp-finance" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.7, "pillars": { "access": 9, "regulation": 0, "security": 9.5, "cost": 5, "range": 2.6, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "onramp-bitcoin", "rank": 96, "category_rank": 8 }, { "id": "bitgo", "name": "BitGo", "category": "institutional", "website": "https://www.bitgo.com", "operator_us": "BitGo Bank & Trust (OCC-chartered national trust bank, per bitgo.com)", "parent_company": "BitGo Holdings, Inc. (NYSE: BTGO)", "founded_year": 2013, "hq": "Sioux Falls, SD, USA (per site copyright line; not otherwise confirmed)", "us_status": "limited", "us_status_note": "As of Oct 2026 bitgo.com describes custody, wallet and prime services aimed mainly at institutions, and also lists individual investors as a client segment; onboarding terms and minimums were not verified.", "us_status_source": "https://www.bitgo.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "NY limited purpose trust charter", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": "OCC national trust bank (BitGo Bank & Trust)", "public_company": "NYSE: BTGO", "other": "BitGo New York Trust Company, LLC listed by NYDFS with a limited purpose trust charter (2021-03)" }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "BitGo Prime: no maker/taker fees; all-in price quoted per trade", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "Custody for individual investors offered free; institutional custody billed in bps on assets under custody", "fees_url": "https://www.bitgo.com/resources/billing-methodology/" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Custody (regulated and self-custody wallets), prime services with trading and financing, settlement, staking, stablecoin and crypto-as-a-service infrastructure. Not a retail exchange.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Site states custodied digital assets are not guaranteed by BitGo and are not covered by FDIC or SIPC insurance", "incidents": [] }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.1, "ios_ratings_count": "11", "ios_ratings_n": 11, "ios_url": "https://apps.apple.com/us/app/bitgo/id6739010408", "ios_app_name": "BitGo" }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional custody", "summary": "BitGo is a digital asset infrastructure company founded in 2013 and listed on the NYSE as BTGO. Its site describes custody through an OCC-chartered national trust bank, self-custody wallets, prime trading and financing, settlement and staking. Clients are mainly exchanges, banks, asset managers and fintechs; individual investors are listed as a segment, but minimums and fees are not published.", "pros": [ "OCC-chartered national trust bank for custody", "New York limited purpose trust charter since 2021", "Publicly listed on the NYSE as BTGO" ], "cons": [ "No public fee schedule or account minimums found", "Custodied assets carry no FDIC or SIPC coverage", "Not a retail order-book exchange" ], "sources": [ "https://www.bitgo.com/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://www.bitgo.com/crypto-trading/", "https://www.bitgo.com/products/individual-investors/", "https://www.bitgo.com/resources/billing-methodology/", "https://apps.apple.com/us/app/bitgo/id6739010408" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.7, "pillars": { "access": 5, "regulation": 4.5, "security": 7, "cost": 5, "range": 4.6, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "bitgo", "rank": 97, "category_rank": 1 }, { "id": "pancakeswap", "name": "PancakeSwap", "category": "dex", "website": "https://pancakeswap.finance", "operator_us": null, "parent_company": null, "founded_year": 2020, "hq": null, "us_status": "limited", "us_status_note": "Official docs geo-block the United States from every tokenized-stock product (bStocks, Ondo, Reserve, xStocks, Robinhood, Colb); the general terms of service did not load, so US access to ordinary swaps is unverified (Oct 5, 2026).", "us_status_source": "https://docs.pancakeswap.finance/trade/pancakeswap-exchange/tokenized-stocks-geo-block.md", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": "Permissionless token listing; no fixed asset count", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Pool fee 0.25% on v2 pools; v3 tiers 0.01%, 0.05%, 0.25%, 1%; gas extra", "trading_fee_note": "v2 0.25% = 0.17% LPs, 0.0225% treasury, 0.0575% CAKE burn; StableSwap fee set per pool", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network (gas) fee only; funds stay in the user's wallet", "other_fees": null, "fees_url": "https://docs.pancakeswap.finance/trade/pancakeswap-exchange/fees-and-routes.md" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": false, "futures": false, "perpetuals": null, "options": false, "margin": false, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": false, "api": true, "trading_bots": false, "copy_trading": false, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": false }, "products_note": "Tokenized stocks geo-blocked for US. Docs also describe perpetual trading; US availability not verified.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": "PeckShield, SlowMist, BlockSec, Cyfrin, HashDit, OtterSec, Zellic, Halborn (per official audits page)", "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": false, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "BSC", "Ethereum", "Base", "Arbitrum", "Solana", "Robinhood Chain", "Monad", "Aptos", "ZKsync Era", "Linea", "opBNB", "Polygon zkEVM" ], "model": "AMM", "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": 2341000000, "volume_30d_usd": 29297000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/pancakeswap", "governance_token": "CAKE", "us_frontend_access": "restricted_tokens" }, "derivatives": null, "best_for": "BNB Chain trading", "summary": "PancakeSwap is a non-custodial decentralized exchange with 96.8% of its liquidity on BNB Smart Chain. DefiLlama showed $2.34 billion in total value locked and $29.3 billion in 30-day volume on October 5, 2026. Official docs block US users from all tokenized-stock products; whether the terms restrict other features for US residents could not be verified.", "pros": [ "$29.3 billion 30-day volume", "Audits by PeckShield, SlowMist, BlockSec, Cyfrin and others", "No hacks listed on its DefiLlama page" ], "cons": [ "Tokenized stocks are geo-blocked for the United States", "96.8% of liquidity sits on one chain", "General terms for US users could not be verified" ], "sources": [ "https://docs.pancakeswap.finance/trade/pancakeswap-exchange/tokenized-stocks-geo-block.md", "https://docs.pancakeswap.finance/welcome-to-pancakeswap/audits.md", "https://docs.pancakeswap.finance/trade/pancakeswap-exchange/fees-and-routes.md", "https://docs.pancakeswap.finance/llms.txt", "https://defillama.com/protocol/pancakeswap", "https://pancakeswap.finance/terms-of-service", "https://docs.pancakeswap.finance/trade/pancakeswap-exchange/trade" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.5, "pillars": { "access": 5, "regulation": 3, "security": 8, "cost": 5, "range": 4.3, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "pancakeswap", "rank": 98, "category_rank": 13 }, { "id": "anchorage-digital", "name": "Anchorage Digital", "category": "institutional", "website": "https://www.anchorage.com", "operator_us": "Anchorage Digital Bank National Association (custody, settlement, staking, governance); Anchorage Hold, LLC (trading); Anchorage Digital NY, LLC (New York)", "parent_company": "Anchor Labs, Inc.", "founded_year": 2017, "hq": "San Francisco, CA, USA", "us_status": "institutional_only", "us_status_note": "Anchorage's legal page says services are offered to institutions and certain high-net-worth individuals in limited circumstances; there is no general retail account (viewed Oct 2026).", "us_status_source": "https://www.anchorage.com/legal", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "BitLicense", "state_licenses_note": "Anchorage Digital NY, LLC holds NYDFS BitLicense #0000041; Anchorage Lending CA, LLC holds California DFPI license 60DBO-11976", "cftc_nfa": "Anchorage Services, LLC is listed with NFA ID 532710 (commodities brokerage services)", "sec_finra": null, "bank_charter": "OCC national trust bank (Anchorage Digital Bank National Association)", "public_company": null, "other": "Describes itself as the first federally chartered digital asset bank in the United States; A1, Ltd. runs a principal trading business; Anchorage Digital Singapore Pte Ltd serves Singapore clients" }, "assets": { "crypto_count_us": null, "crypto_count_note": "Official asset page lists hundreds of tokens but says support varies by entity, jurisdiction and service; no count of tradable assets is given (Oct 2026)", "stablecoins_note": "Offers stablecoin issuance, tokenized deposits and stablecoin-based correspondent banking for institutions" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Institutional pricing by agreement; no public fee schedule was found.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Wire", "ACH", "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": true, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": true, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": true, "prediction_markets": false, "tax_documents": null }, "products_note": "Institutional custody, trading, staking and governance, USD accounts with wires and ACH, the Atlas settlement network, lending through a California-licensed affiliate, stablecoin issuance and a self-custody option. New York clients are served through the BitLicense entity. Eligibility is limited to institutions and certain high-net-worth individuals.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "The site states digital assets held in custody are not guaranteed and are not subject to FDIC or SIPC protections", "incidents": [] }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 5, "ios_ratings_count": "3", "ios_ratings_n": 3, "ios_url": "https://apps.apple.com/us/app/anchorage-digital/id6754656781", "ios_app_name": "Anchorage Digital" }, "support_channels": [ "Phone" ], "dex": null, "derivatives": null, "best_for": "Federally chartered institutional custody", "summary": "Anchorage Digital provides custody, trading, staking, settlement and stablecoin issuance to institutions through Anchorage Digital Bank National Association, a federally chartered digital asset bank, and affiliates that include a New York BitLicense holder. Its legal page says services are offered to institutions and certain high-net-worth individuals in limited circumstances, so ordinary retail users cannot open an account. Minimums and pricing are not published.", "pros": [ "Custody through a federally chartered digital asset bank", "Affiliate holds New York BitLicense number 0000041", "Custody, trading, staking, lending and stablecoin issuance in one group" ], "cons": [ "Not open to ordinary retail users", "Minimums and fees are not published", "Custodied digital assets are not FDIC or SIPC protected" ], "sources": [ "https://www.anchorage.com/", "https://www.anchorage.com/legal", "https://www.anchorage.com/assets-supported", "https://apps.apple.com/us/app/anchorage-digital/id6754656781" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.4, "pillars": { "access": 2, "regulation": 6, "security": 7, "cost": 5, "range": 4.8, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "anchorage-digital", "rank": 99, "category_rank": 2 }, { "id": "zero-hash", "name": "Zero Hash", "category": "institutional", "website": "https://zerohash.com", "operator_us": "zerohash llc (with zerohash liquidity services llc)", "parent_company": null, "founded_year": null, "hq": "Chicago, IL, USA", "us_status": "institutional_only", "us_status_note": "As of Oct 2026 Zero Hash sells crypto trading, custody and stablecoin infrastructure to businesses (banks, brokerages, fintechs); individuals reach it only through partner apps.", "us_status_source": "https://zerohash.com/", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "1699379", "ny_license": "BitLicense", "state_licenses_note": "Site states money transmitter able to operate in 51 US jurisdictions; some state licenses (e.g., IN, TN) do not cover virtual currency", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "NY licenses 0000017 (zerohash llc) and 0000016 (zerohash liquidity services llc); zerohash trust company llc is described by a partner as a North Carolina chartered trust company; FINTRAC MSB in Canada" }, "assets": { "crypto_count_us": null, "crypto_count_note": "zerohash US production table lists about 91 assets (140 asset/network rows, 65 marked supported in NY), but the page says some are custody-only; a tradable count is not stated (Oct 2026)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Set by the partner platform: RFQ spread typically 100-400 bps plus a fixed or percentage commission (e.g. $10 or 0.5%) shown before the order", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://zerohash.com/disclosures/pricing-and-fees" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": true, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": true, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Embedded trading, staking, custody, stablecoin payments, on/off-ramps, payouts and tokenization delivered through partner platforms.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "SOC 1, SOC 2 and ISO certifications listed on site", "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Embedded crypto for platforms", "summary": "Zero Hash is a Chicago-based B2B infrastructure provider that lets banks, brokerages and fintechs embed crypto trading, custody, staking and stablecoin payments. zerohash llc is a FinCEN-registered money services business (NMLS 1699379) holding a New York BitLicense and money transmitter licenses across US jurisdictions. Individuals cannot open accounts directly; they use Zero Hash through partner apps.", "pros": [ "New York BitLicense plus money transmitter license", "Site states coverage of 51 US jurisdictions", "SOC 1 and SOC 2 reports listed" ], "cons": [ "No direct accounts for individuals", "End-user pricing depends on the partner platform" ], "sources": [ "https://zerohash.com/", "https://docs.zerohash.com/page/us-licenses-and-disclosures", "https://docs.zerohash.com/page/legal", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://public.com/invest/crypto-ira", "https://zerohash.com/disclosures/pricing-and-fees", "https://docs.zerohash.com/docs/production-environment-assets" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.4, "pillars": { "access": 2, "regulation": 6, "security": 7, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "zero-hash", "rank": 100, "category_rank": 3 }, { "id": "pumpswap", "name": "PumpSwap (Pump.fun)", "category": "dex", "website": "https://pump.fun", "operator_us": null, "parent_company": "Baton Corporation, Ltd. (England address; BVI governing law)", "founded_year": null, "hq": null, "us_status": "limited", "us_status_note": "Pump.fun terms updated September 25, 2026 state the Perpetuals Feature is not available to persons in the United States; whether spot trading is open to US users could not be confirmed.", "us_status_source": "https://pump.fun/docs/terms-and-conditions", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": false, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "0.30%-1.25% per swap depending on token market cap", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": "Network fee only", "other_fees": null, "fees_url": "https://pump.fun/docs/fees" }, "min_deposit_usd": null, "funding_methods": [ "Crypto" ], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": false, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Perpetuals feature excluded for persons in the United States per terms.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": { "chains": [ "Solana" ], "model": "AMM", "protocol_fee_note": "Canonical pools: total fee from 1.25% at the lowest market-cap tier down to 0.30% (protocol 0.05%, LP 0.20%, remainder to the coin creator). Non-canonical pools: 0.30% (0.25% LP, 0.05% protocol). Bonding curve: 1.25% (0.95% protocol, 0.30% creator).", "interface_fee_note": null, "tvl_usd": 397010000, "volume_30d_usd": 12973000000, "metrics_as_of": "2026-10-05", "metrics_source": "https://defillama.com/protocol/pumpswap", "governance_token": "PUMP", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Solana memecoin trading", "summary": "PumpSwap is the Solana exchange attached to the Pump.fun token launchpad, operated by Baton Corporation, Ltd. under British Virgin Islands law. Fees on canonical pools run from 1.25% down to 0.30% as a token's market cap grows. Terms dated September 25, 2026 bar US persons from the perpetuals feature. DefiLlama showed $12.97 billion in 30-day volume on October 5, 2026.", "pros": [ "About $12.97 billion in 30-day volume", "Published fee schedule, last updated May 20, 2026", "Tokens move from bonding curve to PumpSwap pools" ], "cons": [ "Fees up to 1.25% on small-cap tokens", "Perpetuals not available to persons in the United States", "Prohibited-jurisdiction list could not be read in full" ], "sources": [ "https://defillama.com/protocol/pumpswap", "https://pump.fun/docs/terms-and-conditions", "https://pump.fun/docs/fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.3, "pillars": { "access": 5, "regulation": 3, "security": 7, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "pumpswap", "rank": 101, "category_rank": 14 }, { "id": "coinbase-prime", "name": "Coinbase Prime", "category": "institutional", "website": "https://www.coinbase.com/prime", "operator_us": "Coinbase, Inc.; Coinbase Custody Trust Company, LLC", "parent_company": "Coinbase Global, Inc.", "founded_year": null, "hq": null, "us_status": "institutional_only", "us_status_note": "As of Oct 2026 Coinbase Prime is marketed as an institutional prime brokerage (trading, custody, financing, staking); eligibility criteria and minimums are not published on the page.", "us_status_source": "https://www.coinbase.com/prime", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "Both", "state_licenses_note": "Coinbase, Inc. lists money transmitter licenses in all 50 states, DC and Puerto Rico", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Coinbase, Inc. NY virtual currency license 122466; Coinbase Custody Trust Company, LLC is a New York limited purpose trust company; EU operations under MiCA" }, "assets": { "crypto_count_us": 275, "crypto_count_note": "'275+ tradeable assets' per Prime page, Oct 2026 (not stated as US-specific)", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "No public tiers: Prime charges a negotiated basis-point rate per client, as 'All In' or 'Cost Plus' pricing", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": true, "futures": true, "perpetuals": true, "options": null, "margin": true, "staking": true, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": true, "prediction_markets": null, "tax_documents": null }, "products_note": "Page lists 40 futures contracts, 15 US perpetual-style futures, financing and cross-margining on 90+ assets, RFQ and agency trading, an onchain wallet and USDC services.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "SOC 1 Type II and SOC 2 Type II (Deloitte & Touche)", "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional prime brokerage", "summary": "Coinbase Prime is the institutional prime brokerage of Coinbase. The product page lists 275+ tradeable assets, 40 futures contracts, 15 US perpetual-style futures, financing on 90+ assets, staking and custody through Coinbase Custody Trust Company, a New York limited purpose trust company. SOC 1 and SOC 2 Type II reports are cited. Fees, minimums and eligibility criteria are not published.", "pros": [ "Custody by a New York limited purpose trust company", "275+ tradeable assets and 40 futures contracts", "SOC 1 and SOC 2 Type II audits cited" ], "cons": [ "Built for institutions, not individual retail traders", "Fees and minimums are not published" ], "sources": [ "https://www.coinbase.com/prime", "https://www.coinbase.com/legal/licenses", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://docs.cdp.coinbase.com/prime/concepts/trading/trading-fees" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.3, "pillars": { "access": 2, "regulation": 3, "security": 7, "cost": 5, "range": 10, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "coinbase-prime", "rank": 102, "category_rank": 4 }, { "id": "sfox", "name": "sFOX", "category": "institutional", "website": "https://www.sfox.com", "operator_us": "sFOX, Inc. / sFOX Services Inc.", "parent_company": null, "founded_year": null, "hq": null, "us_status": "institutional_only", "us_status_note": "As of Oct 5, 2026 sfox.com markets only to fintechs, banks, exchanges, asset managers and institutions via sales contact; no retail sign-up is offered on the site.", "us_status_source": "https://www.sfox.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "2692778", "ny_license": null, "state_licenses_note": "NMLS ID belongs to sFOX Services Inc.; legal page carries disclosures for 14 states", "cftc_nfa": null, "sec_finra": null, "bank_charter": "Affiliate SAFE Trust Co. is a Wyoming trust regulated by the Wyoming Division of Banking", "public_company": null, "other": "FinCEN MSB registration numbers 31000266509619 (sFOX, Inc.) and 31000297609622 (sFOX Services Inc.)" }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Prime-dealer style trading routed across 40+ liquidity providers, with custody through affiliate SAFE Trust Co.; onboarding by contacting sales or booking a demo.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Site cites $200M insurance", "incidents": null }, "apps": { "web": true, "ios": true, "android": null, "desktop": null, "ios_rating": 4.6, "ios_ratings_count": "15", "ios_ratings_n": 15, "ios_url": "https://apps.apple.com/us/app/sfox/id1583801613", "ios_app_name": "sFOX" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Institutions and fintech platforms", "summary": "sFOX is a crypto prime dealer that routes orders across 40+ liquidity providers and offers custody through its affiliate SAFE Trust Co., a Wyoming-regulated trust. sFOX, Inc. is a FinCEN-registered money services business. Its website addresses fintechs, banks, exchanges and asset managers and directs prospects to sales, with no public fee schedule or retail sign-up.", "pros": [ "Access to 40+ liquidity providers", "Custody via Wyoming-regulated SAFE Trust Co.", "FinCEN-registered money services business" ], "cons": [ "No retail sign-up on the website", "No public fee schedule or asset list" ], "sources": [ "https://www.sfox.com/", "https://www.sfox.com/legal-disclosure/", "https://apps.apple.com/us/app/sfox/id1583801613" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.2, "pillars": { "access": 2, "regulation": 5.5, "security": 7, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "sfox", "rank": 103, "category_rank": 5 }, { "id": "galaxy", "name": "Galaxy (Global Markets)", "category": "institutional", "website": "https://www.galaxy.com", "operator_us": null, "parent_company": "Galaxy Digital (Nasdaq: GLXY)", "founded_year": null, "hq": null, "us_status": "institutional_only", "us_status_note": "As of Oct 2026 Galaxy Global Markets offers spot, OTC, derivatives and lending to institutions (1.7K+ trading counterparties); a separate GalaxyOne app targets individuals.", "us_status_source": "https://www.galaxy.com/global-markets", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": "1988685", "ny_license": "BitLicense", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": "Galaxy Digital Partners LLC and Galaxy Securities, LLC are FINRA/SIPC members", "bank_charter": null, "public_company": "Nasdaq: GLXY", "other": "GalaxyOne Prime LLC (NMLS 1988685) provides money transmission; GalaxyOne Prime NY LLC listed by NYDFS with virtual currency and money transmitter licenses (2026-05). Site cites 50+ licenses and oversight by SEC, FINRA, NFA, CFTC and FCA." }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Spot and OTC execution, derivatives and structured products, secured lending (average loan book $1.4B in Q2 2026), investment banking, and GK8 custody technology.", "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": "Site states KPMG-audited and SOC compliant", "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional OTC and lending", "summary": "Galaxy is a Nasdaq-listed (GLXY) digital asset firm whose Global Markets unit provides spot and OTC execution, derivatives, structured products and secured lending to more than 1,700 institutional counterparties. It reports $8B of platform assets as of June 30, 2026, and a NYDFS virtual currency license granted in May 2026. Individuals are served through the separate GalaxyOne app.", "pros": [ "Nasdaq-listed with audited financials", "NYDFS virtual currency license granted May 2026", "Spot, derivatives and lending from one counterparty" ], "cons": [ "Global Markets desk is for institutions only", "No public fees or minimum trade sizes" ], "sources": [ "https://www.galaxy.com/", "https://www.galaxy.com/global-markets", "https://www.dfs.ny.gov/virtual_currency_businesses" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.2, "pillars": { "access": 2, "regulation": 5, "security": 7, "cost": 5, "range": 4.5, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "galaxy", "rank": 104, "category_rank": 6 }, { "id": "edx-markets", "name": "EDX Markets", "category": "institutional", "website": "https://edxmarkets.com", "operator_us": "EDX Markets (spot venue) with EDX Clearing (clearinghouse)", "parent_company": "Privately held; investors include Citadel Securities, Fidelity Digital Assets, Charles Schwab, Paradigm, Sequoia Capital, Virtu Financial and SBI Holdings (Series C lead, July 2026)", "founded_year": 2022, "hq": "Chicago, IL, USA", "us_status": "institutional_only", "us_status_note": "EDX's website states it 'does not onboard or accept any deposits from retail customers'; the spot venue is institution-only (viewed Oct 2026).", "us_status_source": "https://edxmarkets.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": true, "crypto_withdrawals": true, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "EDX states that EDX Markets and EDX Clearing are not registered with, or examined by, the SEC, FINRA or the CFTC; it applied to the OCC for a national trust bank charter in April 2026 (outcome not confirmed)" }, "assets": { "crypto_count_us": 67, "crypto_count_note": "67 USD spot pairs listed on the official instrument page, Oct 2026", "stablecoins_note": "USDC supported for collateral and settlement since April 2025 (per Wikipedia); Figure's YLDS added as collateral in August 2026" }, "fees": { "spot_maker_pct": 0, "spot_taker_pct": 0.04, "simple_buy_fee": null, "trading_fee_note": "Institutional tier 1 (<$10M monthly volume): 0.00% maker / 0.040% taker; taker falls to 0.0175% above $500M and to 0.0075% in the Maker program; membership, market data and wire fees waived (schedule dated Feb 1, 2026)", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://edxmarkets.com/wp-content/uploads/EDX-Markets-Fee-Schedule.pdf" }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": true, "futures": false, "perpetuals": null, "options": false, "margin": true, "staking": false, "earn_yield": false, "lending_borrowing": false, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": true, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Institution-only spot venue with central clearing and once-daily net settlement; qualified members can get up to 5x leverage on deposit; an RFQ service is offered. EDX Derivatives (perpetual futures) is described as an international venue and FlowConnect is a white-label crypto-as-a-service product for institutions.", "custody_model": "non_custodial", "security": { "proof_of_reserves": "N/A (non-custodial)", "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional spot trading", "summary": "EDX Markets operates an institution-only US spot crypto venue with a central clearinghouse and once-daily net settlement; members keep assets with a custodian of their choice. EDX states it does not onboard or accept deposits from retail customers. It is backed by large Wall Street trading firms and brokerages, raised a $76 million Series C in July 2026, and applied for a national trust bank charter in April 2026.", "pros": [ "Non-custodial model with central clearinghouse and daily net settlement", "Members choose their own third-party custodian", "$76 million Series C led by SBI Holdings, July 2026" ], "cons": [ "Retail customers cannot open an account", "Not registered with the SEC, FINRA or CFTC", "Fee schedule and membership minimums are not published" ], "sources": [ "https://edxmarkets.com/", "https://edxmarkets.com/about/", "https://edxmarkets.com/edx-markets/", "https://edxmarkets.com/news-insights/", "https://www.coindesk.com/business/2026/07/07/edx-markets-raises-usd76-million-in-funding-round-led-by-sbi-holdings", "https://en.wikipedia.org/wiki/EDX_Markets", "https://edxmarkets.com/wp-content/uploads/EDX-Markets-Fee-Schedule.pdf", "https://edxmarkets.com/vr-edx-markets/" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.2, "pillars": { "access": 2, "regulation": 0, "security": 7, "cost": 9.8, "range": 8.1, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "edx-markets", "rank": 105, "category_rank": 7 }, { "id": "nydig", "name": "NYDIG", "category": "institutional", "website": "https://www.nydig.com", "operator_us": "NYDIG Execution LLC; NYDIG Trust Company LLC", "parent_company": null, "founded_year": 2017, "hq": null, "us_status": "institutional_only", "us_status_note": "As of Oct 2026 nydig.com presents NYDIG mainly as power infrastructure for AI, HPC and bitcoin mining; its licensed custody and execution entities remain listed, with no retail account opening found.", "us_status_source": "https://www.nydig.com/licenses-and-regulatory-disclosures", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "1781446", "ny_license": "Both", "state_licenses_note": "Both entities hold money transmitter licenses in a majority of US states", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "NYDIG Execution LLC (NMLS 1781446): BitLicense and NY money transmitter license; NYDIG Trust Company LLC (NMLS 1985471): NY limited purpose trust charter; NYDIG Funding LLC: California Financing Law license. Site states no NYDIG entity is registered with the SEC, FINRA, NFA or CFTC." }, "assets": { "crypto_count_us": null, "crypto_count_note": "Bitcoin-focused; asset list not verified", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Licensed bitcoin custody (NYDIG Custody) and execution entities; current homepage emphasizes power infrastructure for AI, HPC and bitcoin mining with a 3+ GW development pipeline.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional bitcoin services", "summary": "NYDIG, founded in 2017, operates New York-regulated bitcoin entities: NYDIG Execution LLC holds a BitLicense and NYDIG Trust Company LLC holds a limited purpose trust charter, both with money transmitter licenses in most states. Its website now leads with power infrastructure for AI, high-performance computing and bitcoin mining. No retail account opening, fee schedule or minimums are published.", "pros": [ "Holds both a BitLicense and a NY trust charter", "Money transmitter licenses in a majority of states", "FinCEN-registered money services businesses" ], "cons": [ "No retail account opening found", "Website now centers on power and mining infrastructure", "No public fee schedule" ], "sources": [ "https://www.nydig.com/", "https://www.nydig.com/licenses-and-regulatory-disclosures", "https://www.dfs.ny.gov/virtual_currency_businesses" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.1, "pillars": { "access": 2, "regulation": 6, "security": 6, "cost": 5, "range": 4, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "nydig", "rank": 106, "category_rank": 8 }, { "id": "lmax-digital", "name": "LMAX Digital", "category": "institutional", "website": "https://www.lmaxdigital.com", "operator_us": null, "parent_company": "LMAX Group", "founded_year": null, "hq": "Gibraltar-registered entity; LMAX Group based in London, UK", "us_status": "institutional_only", "us_status_note": "LMAX Digital describes itself as an institutional-only spot crypto exchange regulated in Gibraltar; whether US institutions are accepted was not stated on any page opened (Oct 2026).", "us_status_source": "https://www.lmaxdigital.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "LMAX Digital Broker Limited, authorised by the Gibraltar Financial Services Commission as a DLT provider (licence FSC1342B). No US registration found; not on the NYDFS regulated-entity list." }, "assets": { "crypto_count_us": null, "crypto_count_note": "Official instrument list (CSV) shows 18 crypto assets: BTC, ETH, LTC, BCH, XRP, SOL, LINK, USDC, PYTH, UNI, AAVE, DOGE, RLUSD, USDT, PAXG, CCN, USDG, TRX; not stated as US-specific (Oct 2026)", "stablecoins_note": null }, "fees": { "spot_maker_pct": 0.02, "spot_taker_pct": 0.06, "simple_buy_fee": null, "trading_fee_note": "Non-committed clients under $100M monthly volume: 2 bps passive / 6 bps aggressive; aggressive falls to 3 bps above $200M; committed makers: passive free, aggressive 3 bps", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": "https://www.lmaxdigital.com/new-clients/" }, "min_deposit_usd": 100000, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Institutional spot order book with custody in offline multi-signature cold and vault wallets.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": "0", "ios_ratings_n": 0, "ios_url": "https://apps.apple.com/us/app/lmax-digital-trading/id1375900638", "ios_app_name": "LMAX Digital Trading" }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional spot execution", "summary": "LMAX Digital is the institutional spot crypto exchange of London-based LMAX Group. It operates through LMAX Digital Broker Limited, licensed by the Gibraltar Financial Services Commission as a DLT provider for execution and custody. It lists a short set of large-cap assets and holds client coins in offline wallets. No US license was found, and individuals cannot open accounts.", "pros": [ "Regulated by Gibraltar's GFSC for execution and custody", "Client coins held in offline multi-signature wallets", "Part of LMAX Group, operator of an FCA-regulated trading facility" ], "cons": [ "Institutional clients only; no retail accounts", "No US license or US eligibility statement found", "Fees not published" ], "sources": [ "https://www.lmaxdigital.com/", "https://www.lmax.com/digital/about", "https://www.lmax.com/digital", "https://en.wikipedia.org/wiki/LMAX_Group", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://www.lmaxdigital.com/new-clients/", "https://assets.lmaxstatic.com/csv/LMAXDigital-Instruments.csv", "https://apps.apple.com/us/app/lmax-digital-trading/id1375900638" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4.1, "pillars": { "access": 2, "regulation": 2, "security": 6, "cost": 9.6, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "taker_fee" }, "slug": "lmax-digital", "rank": 107, "category_rank": 9 }, { "id": "arkham-exchange", "name": "Arkham Exchange", "category": "dex", "website": "https://arkm.com", "operator_us": null, "parent_company": "Arkham Intelligence", "founded_year": 2020, "hq": "Dominican Republic", "us_status": "limited", "us_status_note": "Arkham said in Feb 2026 its centralized exchange would become fully decentralized and on Apr 21, 2026 launched decentralized Solana token trading; US access terms were not found.", "us_status_source": "https://www.coindesk.com/business/2026/02/10/arkham-intelligence-said-to-be-shutting-crypto-trading-platform-as-usage-fails-to-sparkle", "states_not_served": null, "states_note": "The March 2025 US spot launch covered CA, CO, HI, IN, IA, KS, MA, MI, MT, NH, NJ, SC, TN, UT, VA, WI and WY (official announcement, Feb. 22, 2025); current coverage could not be verified.", "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Decentralized spot trading of Solana tokens inside the Arkham analytics platform, with views of other traders' activity. The centralized exchange had added spot trading in several US states in early 2025.", "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": { "chains": [ "Solana" ], "model": null, "protocol_fee_note": null, "interface_fee_note": null, "tvl_usd": null, "volume_30d_usd": null, "metrics_as_of": null, "metrics_source": null, "governance_token": "ARKM", "us_frontend_access": "unknown" }, "derivatives": null, "best_for": "Solana trading with on-chain analytics", "summary": "Arkham Intelligence, a blockchain analytics firm founded in 2020, ran a centralized exchange that added spot trading in several US states in early 2025. In February 2026 its founder said the exchange would become fully decentralized after daily volume of about $620,000, and in April 2026 Arkham launched decentralized trading of Solana tokens. US access rules and fees were not found.", "pros": [ "Trading sits inside Arkham's on-chain analytics platform", "Decentralized Solana token trading launched April 2026", "Arkham reports over 3 million registered users" ], "cons": [ "Centralized exchange pivoted after low volume", "US access terms and fees not published on pages read" ], "sources": [ "https://www.coindesk.com/business/2026/02/10/arkham-intelligence-said-to-be-shutting-crypto-trading-platform-as-usage-fails-to-sparkle", "https://info.arkm.com/announcements/introducing-arkham-decentralized-trading", "https://info.arkm.com/announcements", "https://en.wikipedia.org/wiki/Arkham_Intelligence", "https://arkm.com/" ], "confidence": "low", "as_of": "2026-10-05", "score": { "total": 4, "pillars": { "access": 5, "regulation": 3, "security": 6, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 4 }, "cost_basis": "default" }, "slug": "arkham-exchange", "rank": 108, "category_rank": 15 }, { "id": "changenow", "name": "ChangeNOW", "category": "onramp_swap", "website": "https://changenow.io", "operator_us": null, "parent_company": null, "founded_year": null, "hq": "Kingstown, Saint Vincent and the Grenadines (registered address)", "us_status": "limited", "us_status_note": "ChangeNOW's terms (Oct 2026) list the United States as a restricted country but allow US citizens and residents to use the service after creating an account under the separate ChangeNOW Pro terms, with mandatory KYC.", "us_status_source": "https://changenow.io/terms-of-use/changenow-terms", "states_not_served": null, "states_note": "Pro terms route crypto-to-crypto swaps for registered users in 40 named states plus DC through third-party processors; AL, AK, HI, NV, NM, NY, RI, SD, VT and WA are not named.", "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "No separate fee; ChangeNOW says all fees are included in the quoted exchange rate", "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 4.8, "ios_ratings_count": "2.3K", "ios_ratings_n": 2275, "ios_url": "https://apps.apple.com/us/app/changenow-crypto-exchange/id1518003605", "ios_app_name": "ChangeNOW: Crypto Exchange" }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Account-based crypto swaps", "summary": "ChangeNOW is a crypto-to-crypto swap service run by CHN Group LLC of Saint Vincent and the Grenadines. Its terms list the United States as a restricted country for the standard accountless service, but permit US citizens and residents to use it after creating an account under the ChangeNOW Pro terms. Identity verification through Sumsub is mandatory for US residents, and no US license is cited.", "pros": [ "US residents allowed via account-based Pro terms", "Operator and registration number disclosed in terms", "Crypto-to-crypto swaps without holding an exchange balance" ], "cons": [ "Accountless swaps closed to US residents", "No US registration or license cited", "Mandatory identity verification for US users" ], "sources": [ "https://changenow.io/terms-of-use", "https://changenow.io/terms-of-use/changenow-terms", "https://changenow.io/", "https://changenow.io/terms-of-use/changenow-pro", "https://apps.apple.com/us/app/changenow-crypto-exchange/id1518003605" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4, "pillars": { "access": 5, "regulation": 0, "security": 6, "cost": 5, "range": 4, "popularity": 4.2, "data_quality": 7 }, "cost_basis": "default" }, "slug": "changenow", "rank": 109, "category_rank": 8 }, { "id": "athena-bitcoin", "name": "Athena Bitcoin", "category": "cash_atm", "website": "https://athenabitcoin.com", "operator_us": "Athena Bitcoin, Inc.", "parent_company": "Athena Bitcoin Global", "founded_year": 2015, "hq": null, "us_status": "limited", "us_status_note": "Athena's site (Oct 2026) says its bitcoin ATMs operate in 28 states, and its licenses page says it does not operate in any state not listed there.", "us_status_source": "https://athenabitcoin.com/legal/doc/licenses/", "states_not_served": null, "states_note": "Operates in 28 states per homepage; New York is not on the licenses page", "ny_available": false, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": true, "nmls_id": "1679249", "ny_license": null, "state_licenses_note": "State money transmitter licenses listed for 20+ states plus Puerto Rico; FinCEN BSA ID 31000288780907", "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": 1, "crypto_count_note": "Bitcoin only per homepage, Oct 2026", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": "Markup typically 13%-28% built into the ATM price (2025 average 24%), plus a separate flat transaction fee", "trading_fee_note": "Athena's 10-K for 2025 and 10-Q for Q1 2026 say the markup varies by location and typically ranges between 13% and 28%; average markup on bitcoin sold was 24% in 2025 and 22% in 2024.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": "No standard fee percentage published on the homepage; promotional discounts advertised", "fees_url": null }, "min_deposit_usd": null, "funding_methods": [ "Cash" ], "products": { "spot": null, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": null, "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": null }, "apps": { "web": true, "android": null, "desktop": null, "ios": true, "ios_rating": 3, "ios_ratings_count": "4", "ios_ratings_n": 4, "ios_url": "https://apps.apple.com/us/app/athena-bitcoin/id6736403129", "ios_app_name": "Athena Bitcoin" }, "support_channels": [ "Phone", "Email" ], "dex": null, "derivatives": null, "best_for": "Cash-to-bitcoin kiosks", "summary": "Athena Bitcoin operates cash-to-bitcoin ATMs in 28 US states and also sells bitcoin online. Athena Bitcoin, Inc. is registered with FinCEN (NMLS ID 1679249) and publishes state money transmitter licenses, including Florida, Illinois, Georgia and Pennsylvania. Bitcoin is the only cryptocurrency offered. The site does not publish a standard fee or markup, and New York is not on its license list.", "pros": [ "Cash purchases at ATMs in 28 states", "FinCEN registration and published state licenses", "Phone and email support listed" ], "cons": [ "No standard fee or markup published", "Bitcoin only", "New York not on license list" ], "sources": [ "https://athenabitcoin.com/", "https://athenabitcoin.com/legal/doc/licenses/", "https://www.sec.gov/Archives/edgar/data/1095146/000168316826001588/athena_i10k-123125.htm", "https://www.sec.gov/Archives/edgar/data/1095146/000168316826003924/abit_i10q-033126.htm", "https://apps.apple.com/us/app/athena-bitcoin/id6736403129" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 4, "pillars": { "access": 4.5, "regulation": 4, "security": 6, "cost": 5, "range": 2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "athena-bitcoin", "rank": 110, "category_rank": 3 }, { "id": "abra", "name": "Abra", "category": "institutional", "website": "https://www.abra.com", "operator_us": "Abra Capital Management, LP", "parent_company": null, "founded_year": null, "hq": null, "us_status": "limited", "us_status_note": "As of Oct 5, 2026 Abra operates as an SEC-registered investment adviser offering separately managed accounts, yield, loans and OTC trading to institutions and private clients; no retail exchange app was found.", "us_status_source": "https://www.abra.com/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": "Abra Capital Management, LP - SEC-registered investment adviser", "bank_charter": null, "public_company": null, "other": null }, "assets": { "crypto_count_us": null, "crypto_count_note": null, "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": null, "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": true, "lending_borrowing": true, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "OTC and spot trading, yield strategies (advertised gross APYs, not guaranteed, before advisory fees), open-term crypto-backed loans, and Vault separately managed accounts. Site states 'No Minimums'.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": "Not FDIC or SIPC protected, per site", "incidents": [ { "year": 2024, "type": "enforcement", "summary": "On Aug 26, 2024 the SEC charged Plutus Lending LLC (Abra) over its unregistered Abra Earn product; Abra settled without admitting or denying, having begun winding Earn down in June 2023.", "source": "https://www.sec.gov/newsroom/press-releases/2024-105" } ] }, "apps": { "web": true, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": null, "dex": null, "derivatives": null, "best_for": "Advisers and private clients", "summary": "Abra now operates through Abra Capital Management, LP, an SEC-registered investment adviser, offering OTC and spot trading, yield strategies, crypto-backed loans and separately managed accounts to advisers, family offices, corporate treasuries and private clients. The former retail Abra Earn product was wound down from June 2023 and drew SEC charges in August 2024. No retail exchange app was found.", "pros": [ "SEC-registered investment adviser structure", "Assets held in segregated separately managed accounts", "Site states no account minimums" ], "cons": [ "No retail exchange app found", "SEC charged its Abra Earn product in 2024", "Yields can change and exclude advisory fees" ], "sources": [ "https://www.abra.com/", "https://www.sec.gov/newsroom/press-releases/2024-105" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 3.9, "pillars": { "access": 5, "regulation": 1, "security": 6.3, "cost": 5, "range": 4.6, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "abra", "rank": 111, "category_rank": 10 }, { "id": "falconx", "name": "FalconX", "category": "institutional", "website": "https://www.falconx.io", "operator_us": "FalconX Bravo, Inc. (CFTC swap dealer); FalconX Delta, Inc. (NMLS ID 2419717)", "parent_company": null, "founded_year": 2018, "hq": "Silicon Valley, CA, USA", "us_status": "institutional_only", "us_status_note": "FalconX describes itself as a prime brokerage for institutions (asset managers, hedge funds, family offices, banks); no retail account offering appears on its site (viewed Oct 2026).", "us_status_source": "https://www.falconx.io/", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": true, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": "2419717", "ny_license": null, "state_licenses_note": "FalconX Delta, Inc. is listed with NMLS ID 2419717; individual state licenses were not checked", "cftc_nfa": "Swap dealer registered with the CFTC and NFA member (FalconX Bravo, Inc.)", "sec_finra": null, "bank_charter": null, "public_company": null, "other": "FalconX Limited is licensed by Malta's MFSA as a crypto-asset service provider; a confidential draft S-1 for a US IPO was reported on May 29, 2026" }, "assets": { "crypto_count_us": null, "crypto_count_note": "'400+ tokens' per the official site, a global institutional figure; no US-specific list is published", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Negotiated institutional pricing; no public fee schedule was found.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": true, "futures": null, "perpetuals": null, "options": true, "margin": true, "staking": true, "earn_yield": true, "lending_borrowing": true, "recurring_buys": false, "crypto_card": false, "stocks_etfs": false, "ira": false, "otc_desk": true, "api": null, "trading_bots": false, "copy_trading": false, "nft": false, "self_custody_wallet": false, "prediction_markets": false, "tax_documents": null }, "products_note": "Institutional prime brokerage: spot, derivatives and FX trading, electronic options, margin and OTC lending, structured products, integrated custody and staking, and the FalconX 360 electronic platform. Owns ETP issuer 21Shares (acquisition completed Nov 20, 2025), which operates as an independently managed subsidiary.", "custody_model": "custodial", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [ "24/7 trading and operations coverage" ], "dex": null, "derivatives": null, "best_for": "Institutional prime brokerage", "summary": "FalconX is an institutional crypto prime broker founded in 2018, offering spot and derivatives trading, financing, custody and staking to asset managers, hedge funds, family offices and banks. Its affiliate FalconX Bravo, Inc. is a CFTC-registered swap dealer. FalconX completed its acquisition of ETP issuer 21Shares in November 2025 and reportedly filed confidentially for a US IPO in May 2026. Its services are marketed to institutions only, not retail investors.", "pros": [ "Access to 400+ tokens, per company figures", "Affiliate is a CFTC-registered swap dealer and NFA member", "Trading, financing, custody and staking under one prime broker" ], "cons": [ "Institutions only; no retail account option", "Pricing and minimums are not published", "IPO filing reported in May 2026 but not completed" ], "sources": [ "https://www.falconx.io/", "https://www.falconx.io/newsroom/falconx-completes-acquisition-of-21shares", "https://www.blockhead.co/2026/05/29/falconx-files-confidentially-with-sec-for-ipo-hires-cantor-as-advisor/" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 3.8, "pillars": { "access": 2, "regulation": 3.5, "security": 6, "cost": 5, "range": 5.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "falconx", "rank": 112, "category_rank": 11 }, { "id": "fidelity-digital-assets", "name": "Fidelity Digital Assets", "category": "institutional", "website": "https://www.fidelitydigitalassets.com", "operator_us": "Fidelity Digital Assets, National Association", "parent_company": "Fidelity Investments (FMR LLC)", "founded_year": 2019, "hq": "Boston, MA, USA", "us_status": "institutional_only", "us_status_note": "As of Oct 2026 custody and trading are offered to institutional investors; individual US investors are directed to the separate Fidelity Crypto product.", "us_status_source": "https://www.fidelitydigitalassets.com/about-us", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "NY limited purpose trust charter", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": "OCC national trust bank (Fidelity Digital Assets, National Association; federal charter received 2025)", "public_company": null, "other": "Fidelity Digital Asset Services, LLC received a New York limited purpose trust charter in 2019 (not seen on the NYDFS list when checked); Fidelity Digital Assets, Ltd registered with the UK FCA" }, "assets": { "crypto_count_us": null, "crypto_count_note": "About page names bitcoin, ether and solana plus the Fidelity Digital Dollar (FIDD) stablecoin", "stablecoins_note": "Issues Fidelity Digital Dollar (FIDD), pegged 1:1 to USD" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Cold-storage custody, multi-venue trade execution without moving assets out of custody, collateral accounts, FIDD stablecoin, and Fidelity Crypto for Wealth Managers.", "custody_model": "qualified_custodian", "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": true, "android": null, "desktop": null, "ios_rating": 3.7, "ios_ratings_count": "6", "ios_ratings_n": 6, "ios_url": "https://apps.apple.com/us/app/fidelity-digital-assets/id1441679724", "ios_app_name": "Fidelity Digital Assets" }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional bitcoin custody", "summary": "Fidelity Digital Assets has offered digital asset custody and trade execution to institutional investors since 2019. Services are provided by Fidelity Digital Assets, National Association, a national trust bank with an OCC charter received in 2025. Supported assets named on its site are bitcoin, ether and solana, plus its own dollar stablecoin. Individuals use the separate Fidelity Crypto product instead.", "pros": [ "OCC national trust bank charter received in 2025", "Execution across venues while assets stay in cold storage", "Backed by Fidelity Investments, based in Boston" ], "cons": [ "Institutional clients only", "Short list of supported assets", "Fees and minimums are not published" ], "sources": [ "https://www.fidelitydigitalassets.com/about-us", "https://www.fidelitydigitalassets.com/", "https://www.dfs.ny.gov/virtual_currency_businesses", "https://apps.apple.com/us/app/fidelity-digital-assets/id1441679724" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 3.7, "pillars": { "access": 2, "regulation": 3.5, "security": 6, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "fidelity-digital-assets", "rank": 113, "category_rank": 12 }, { "id": "cumberland", "name": "Cumberland", "category": "institutional", "website": "https://www.cumberland.io", "operator_us": "Cumberland DRW LLC", "parent_company": "DRW", "founded_year": null, "hq": null, "us_status": "institutional_only", "us_status_note": "As of Oct 2026 Cumberland provides principal crypto liquidity to institutional counterparties; no retail accounts are offered.", "us_status_source": "https://www.cumberland.io/", "states_not_served": null, "states_note": null, "ny_available": true, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": "BitLicense", "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": null, "other": "Cumberland New York LLC listed by NYDFS with a virtual currency license (2024-06)" }, "assets": { "crypto_count_us": null, "crypto_count_note": "'Dozens of cryptocurrencies' per site", "stablecoins_note": null }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": null, "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": true, "perpetuals": null, "options": true, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": true, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "OTC spot liquidity, listed futures and options, bilateral crypto options and non-deliverable forwards for institutional counterparties.", "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Institutional OTC liquidity", "summary": "Cumberland is the crypto trading arm of DRW, operating as Cumberland DRW LLC. It quotes OTC spot liquidity in dozens of cryptocurrencies and trades listed futures and options, bilateral options and non-deliverable forwards with institutional counterparties. Cumberland New York LLC has held a NYDFS virtual currency license since June 2024. It has no retail accounts and publishes no fees or minimums.", "pros": [ "NYDFS virtual currency license since June 2024", "Spot, options, futures and forwards from one desk", "Backed by trading firm DRW" ], "cons": [ "Institutional counterparties only", "Minimum trade sizes and pricing are not published" ], "sources": [ "https://www.cumberland.io/", "https://www.cumberland.io/compliance", "https://www.dfs.ny.gov/virtual_currency_businesses" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 3.4, "pillars": { "access": 2, "regulation": 2, "security": 6, "cost": 5, "range": 4.6, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "cumberland", "rank": 114, "category_rank": 13 }, { "id": "bakkt", "name": "Bakkt", "category": "institutional", "website": "https://bakkt.com", "operator_us": null, "parent_company": "Bakkt, Inc. (NYSE: BKKT)", "founded_year": 2018, "hq": null, "us_status": "institutional_only", "us_status_note": "Bakkt is a business-to-business provider: its Sept 9, 2026 release says it serves financial institutions, fintechs and consumer brands; no direct account for individuals was found.", "us_status_source": "https://investors.bakkt.com/news-releases/news-release-details/bakkt-expands-global-commercial-team-growth-accelerates-raises", "states_not_served": null, "states_note": null, "ny_available": null, "kyc_required": null, "crypto_withdrawals": null, "regulation": { "fincen_msb": null, "nmls_id": null, "ny_license": null, "state_licenses_note": null, "cftc_nfa": null, "sec_finra": null, "bank_charter": null, "public_company": "NYSE: BKKT", "other": "Describes itself as a regulated financial technology company; its US operating entity and current licenses were not verified in this session" }, "assets": { "crypto_count_us": null, "crypto_count_note": "No supported-asset list was retrieved", "stablecoins_note": "Bakkt Markets offers 24/7 stablecoin settlement, described as operating across 63+ countries and 19 currencies (Q2 2026 materials)" }, "fees": { "spot_maker_pct": null, "spot_taker_pct": null, "simple_buy_fee": null, "trading_fee_note": "Commercial terms are set with business clients; no public fee schedule was found.", "ach_deposit": null, "wire_deposit": null, "card_purchase": null, "usd_withdrawal": null, "crypto_withdrawal": null, "other_fees": null, "fees_url": null }, "min_deposit_usd": null, "funding_methods": [], "products": { "spot": true, "advanced_trading": null, "futures": null, "perpetuals": null, "options": null, "margin": null, "staking": null, "earn_yield": null, "lending_borrowing": null, "recurring_buys": null, "crypto_card": null, "stocks_etfs": null, "ira": null, "otc_desk": null, "api": null, "trading_bots": null, "copy_trading": null, "nft": null, "self_custody_wallet": null, "prediction_markets": null, "tax_documents": null }, "products_note": "Three business lines: Bakkt Markets (regulated infrastructure for trading and stablecoin settlement), Bakkt Agent (AI-enabled embedded finance; co-branded cards and neobank-as-a-service planned for Q4 2026) and Bakkt Global (cross-border payments, with positions in Japan and India). Crypto trading reaches end users only through partner businesses. Bakkt sold its loyalty and custody businesses.", "custody_model": null, "security": { "proof_of_reserves": null, "proof_of_reserves_url": null, "audits_certifications": null, "insurance_note": null, "incidents": [ { "year": 2026, "type": "other", "summary": "Bakkt divested its loyalty and custody businesses and refocused on business-to-business trading, stablecoin payments and AI-agent finance, per its Q1 2026 results.", "source": "https://investors.bakkt.com/news-releases/news-release-details/bakkt-reports-first-quarter-2026-results" } ] }, "apps": { "web": null, "ios": null, "android": null, "desktop": null, "ios_rating": null, "ios_ratings_count": null, "ios_ratings_n": null }, "support_channels": [], "dex": null, "derivatives": null, "best_for": "Embedded crypto for businesses", "summary": "Bakkt, Inc. (NYSE: BKKT) is a business-to-business provider of regulated infrastructure for crypto trading, stablecoin settlement and cross-border payments, organized as Bakkt Markets, Bakkt Agent and Bakkt Global. It serves financial institutions, fintechs and consumer brands rather than individual account holders. Bakkt divested its loyalty and custody businesses, acquired Distributed Technologies Research on April 30, 2026, and targets $3 billion in 2026 transacting volume.", "pros": [ "NYSE-listed company with quarterly public financial reporting", "Infrastructure for trading, stablecoin settlement and cross-border payments", "Raised 2026 transacting volume target to $3 billion" ], "cons": [ "No direct accounts for individual investors", "Q1 2026 revenue fell 77% year over year", "Adjusted EBITDA loss of $13.7 million in Q1 2026" ], "sources": [ "https://investors.bakkt.com/news-releases/news-release-details/bakkt-reports-first-quarter-2026-results", "https://investors.bakkt.com/news-releases/news-release-details/bakkt-expands-global-commercial-team-growth-accelerates-raises", "https://www.investing.com/news/company-news/bakkt-q2-2026-slides-strategic-pivot-amid-mixed-financial-results-93CH-4850567", "https://bakkt.com/" ], "confidence": "medium", "as_of": "2026-10-05", "score": { "total": 3.1, "pillars": { "access": 2, "regulation": 1, "security": 5.7, "cost": 5, "range": 4.2, "popularity": 1, "data_quality": 7 }, "cost_basis": "default" }, "slug": "bakkt", "rank": 115, "category_rank": 14 } ], "not_available": [ { "id": "binance", "name": "Binance", "category": "cex", "website": "https://www.binance.com", "founded_year": 2017, "hq": null, "us_status": "not_available", "us_status_note": "Binance.com does not onboard US customers; per the DOJ's Nov 21, 2023 release it announced in 2019 that it would block US customers and launch the separate Binance.US.", "us_status_source": "https://www.justice.gov/opa/pr/binance-and-ceo-plead-guilty-federal-charges-4b-resolution", "restriction_basis": "DOJ release (Nov 2023): Binance announced in 2019 it would block U.S. customers and launch a separate U.S. exchange; Binance's own prohibited-countries page exists but its text could not be read", "us_enforcement": [ { "year": 2023, "agency": "DOJ", "summary": "Nov 21, 2023: Binance pleaded guilty to Bank Secrecy Act, unlicensed money transmitting and sanctions (IEEPA) violations; over $4B in total ($2.51B forfeiture, $1.81B fine), three-year compliance monitor; coordinated with FinCEN, OFAC and CFTC.", "source": "https://www.justice.gov/opa/pr/binance-and-ceo-plead-guilty-federal-charges-4b-resolution" }, { "year": 2023, "agency": "SEC", "summary": "June 2023: SEC sued Binance and Changpeng Zhao on 13 counts (outcome not verified in this research).", "source": "https://en.wikipedia.org/wiki/Binance" }, { "year": 2023, "agency": "CFTC", "summary": "March 27, 2023: CFTC sued Binance alleging wilful evasion of US law and derivatives rule violations; resolved within the Nov 2023 package.", "source": "https://en.wikipedia.org/wiki/Binance" }, { "year": 2026, "agency": "DOJ", "summary": "March 2026: reported DOJ investigation into alleged evasion of sanctions on Iran-backed groups (secondary source, no outcome).", "source": "https://en.wikipedia.org/wiki/Binance" } ], "us_entity_or_alternative": "Binance.US (separate US exchange; its current state coverage was not checked here)", "us_return_plans": null, "known_for": "Largest global exchange by volume", "global_scale_note": null, "sources": [ "https://www.justice.gov/opa/pr/binance-and-ceo-plead-guilty-federal-charges-4b-resolution", "https://en.wikipedia.org/wiki/Binance", "https://www.binance.com/en/legal/list-of-prohibited-countries", "https://www.binance.com/en/terms" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "bybit", "name": "Bybit", "category": "cex", "website": "https://www.bybit.com", "founded_year": 2018, "hq": "Dubai, UAE", "us_status": "not_available", "us_status_note": "Bybit's Service Restricted Countries article (updated Sept 1, 2026) lists the United States first among excluded jurisdictions.", "us_status_source": "https://www.bybit.com/en/help-center/article/Service-Restricted-Countries", "restriction_basis": "Help-center list of excluded jurisdictions begins \"the United States, the Chinese Mainland, Hong Kong, Singapore, Canada, North Korea, Cuba, Iran\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Derivatives and altcoin breadth", "global_scale_note": null, "sources": [ "https://www.bybit.com/en/help-center/article/Service-Restricted-Countries", "https://en.wikipedia.org/wiki/Bybit" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "kucoin", "name": "KuCoin", "category": "cex", "website": "https://www.kucoin.com", "founded_year": 2017, "hq": "Seychelles", "us_status": "not_available", "us_status_note": "KuCoin Terms of Use (updated Sept 29, 2026) list the United States and its territories as Restricted Locations; its Jan 27, 2025 guilty plea included exiting the US market for at least two years.", "us_status_source": "https://www.kucoin.com/legal/terms-of-use", "restriction_basis": "Terms, Restricted Locations: \"the United States (including its territories such as Puerto Rico, Guam, the Northern Mariana Islands, American Samoa, etc)\"", "us_enforcement": [ { "year": 2025, "agency": "DOJ", "summary": "Jan 27, 2025: KuCoin pleaded guilty to operating an unlicensed money transmitting business; over $297M ($184.5M forfeiture, about $112.9M fine) and agreed to exit the US market for at least two years.", "source": "https://www.justice.gov/usao-sdny/pr/kucoin-pleads-guilty-unlicensed-money-transmission-charge-and-agrees-pay-penalties" }, { "year": 2023, "agency": "NYAG", "summary": "Dec 2023: $22M settlement with the New York Attorney General over unregistered broker-dealer activity; KuCoin ceased trading in New York.", "source": "https://en.wikipedia.org/wiki/KuCoin" } ], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Wide altcoin selection", "global_scale_note": null, "sources": [ "https://www.kucoin.com/legal/terms-of-use", "https://www.justice.gov/usao-sdny/pr/kucoin-pleads-guilty-unlicensed-money-transmission-charge-and-agrees-pay-penalties", "https://en.wikipedia.org/wiki/KuCoin" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "mexc", "name": "MEXC", "category": "cex", "website": "https://www.mexc.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "MEXC's user agreement (last updated May 29, 2025, as shown on Oct 5, 2026) names the United States among countries where it does not provide services or accept registrations.", "us_status_source": "https://www.mexc.com/terms", "restriction_basis": "Terms: \"MEXC does not provide Services, nor do we accept registration of Users... in the following countries: ... the United States\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Large altcoin and futures listings", "global_scale_note": null, "sources": [ "https://www.mexc.com/terms" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bitget", "name": "Bitget", "category": "cex", "website": "https://www.bitget.com", "founded_year": 2018, "hq": "Seychelles (registered); founded in Singapore", "us_status": "not_available", "us_status_note": "Bitget Terms of Use (updated Sept 15, 2026) list the United States, including named territories, among Prohibited Countries.", "us_status_source": "https://www.bitget.com/support/articles/360014944032", "restriction_basis": "Terms, Prohibited Countries: \"the United States (including the following U.S. Territories: Puerto Rico, Guam, U.S. Virgin Islands, American Samoa...)\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Copy trading and derivatives", "global_scale_note": null, "sources": [ "https://www.bitget.com/support/articles/360014944032", "https://en.wikipedia.org/wiki/Bitget", "https://www.bitget.com/support/sections/360007868532" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "gate", "name": "Gate (global, gate.com)", "category": "cex", "website": "https://www.gate.com", "founded_year": 2013, "hq": null, "us_status": "not_available", "us_status_note": "Gate's global user agreement (read Oct 5, 2026, undated) lists the United States of America first among Restricted Locations and bars US persons.", "us_status_source": "https://www.gate.com/legal/user-agreement", "restriction_basis": "User agreement: \"Restricted Locations include but are not limited to the United States of America, Mainland China, Singapore, Canada\"", "us_enforcement": [], "us_entity_or_alternative": "Gate US (separate US entity; named on Gate's About page with its own compliance leadership - licensing and state coverage not checked here)", "us_return_plans": null, "known_for": "Very large altcoin catalogue", "global_scale_note": "Self-reported on Gate's About page: over 60 million users (Sept 2026), #2 in spot volume and #3 in futures volume - company claim, not independently verified", "sources": [ "https://www.gate.com/legal/user-agreement", "https://www.gate.com/about-us" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bingx", "name": "BingX", "category": "cex", "website": "https://bingx.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "BingX's Customer Agreement (updated Sept 2, 2026) requires users to confirm they are not a US or Canada user.", "us_status_source": "https://bingx.com/en/support/articles/360033286474", "restriction_basis": "Customer Agreement requires the user to represent they \"are not a U.S or Canada user\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Copy trading and perpetual futures", "global_scale_note": null, "sources": [ "https://bingx.com/en/support/articles/360033286474" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "bitfinex", "name": "Bitfinex", "category": "cex", "website": "https://www.bitfinex.com", "founded_year": 2012, "hq": "British Virgin Islands (registered)", "us_status": "not_available", "us_status_note": "A CFTC order of Oct 15, 2021 requires Bitfinex to keep non-ECP (retail) US persons out of retail commodity transactions; its 2021 NYAG settlement kept its ban on New York trading.", "us_status_source": "https://www.cftc.gov/PressRoom/PressReleases/8450-21", "restriction_basis": "CFTC order requires systems \"reasonably designed to prevent non-ECP U.S. persons from engaging in retail commodity transactions\"", "us_enforcement": [ { "year": 2021, "agency": "CFTC", "summary": "Oct 15, 2021: $1.5M civil penalty against iFinex, BFXNA and BFXWW for illegal off-exchange retail commodity transactions with US persons and acting as an unregistered FCM.", "source": "https://www.cftc.gov/PressRoom/PressReleases/8450-21" }, { "year": 2021, "agency": "NYAG", "summary": "Feb 2021: Bitfinex/iFinex and Tether paid $18.5M to settle New York Attorney General claims over Tether's backing and an $850M loss.", "source": "https://en.wikipedia.org/wiki/Bitfinex" } ], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Long-running exchange linked to Tether", "global_scale_note": null, "sources": [ "https://www.cftc.gov/PressRoom/PressReleases/8450-21", "https://en.wikipedia.org/wiki/Bitfinex" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "bitmex", "name": "BitMEX", "category": "derivatives", "website": "https://www.bitmex.com", "founded_year": 2014, "hq": "Seychelles", "us_status": "defunct", "us_status_note": "BitMEX closed its exchange on Sept 23, 2026 (trading ceased 04:00 UTC; announced July 23, 2026); the site now supports withdrawals only, including for previously restricted US users.", "us_status_source": "https://www.bitmex.com/www-assets/documents/hdr-global-trading-terms-of-service-september-2026.pdf", "restriction_basis": "Terms: \"BitMEX ceased exchange operations on 23 September 2026\"; the US is listed under \"Previously restricted jurisdictions — now open for withdrawal\"", "us_enforcement": [ { "year": 2025, "agency": "DOJ", "summary": "Jan 15, 2025: BitMEX fined $100M after pleading guilty to Bank Secrecy Act violations (secondary source); Wikipedia reports a presidential pardon of the company and founders in March 2025.", "source": "https://en.wikipedia.org/wiki/BitMEX" }, { "year": 2021, "agency": "CFTC", "summary": "Aug 10, 2021: $100M civil penalty against five BitMEX entities for running an unregistered derivatives platform and serving US customers without KYC/AML (up to $50M offset by FinCEN payments).", "source": "https://www.cftc.gov/PressRoom/PressReleases/8412-21" }, { "year": 2020, "agency": "DOJ", "summary": "Oct 1, 2020: founders Hayes, Delo, Reed and Dwyer indicted for Bank Secrecy Act violations; three later pleaded guilty with $10M fines each.", "source": "https://en.wikipedia.org/wiki/BitMEX" } ], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Invented the perpetual swap", "global_scale_note": null, "sources": [ "https://www.bitmex.com/", "https://www.bitmex.com/blog/bitmex-closure-live/", "https://www.bitmex.com/restricted-jurisdiction-policy", "https://www.bitmex.com/www-assets/documents/hdr-global-trading-terms-of-service-september-2026.pdf", "https://www.cftc.gov/PressRoom/PressReleases/8412-21", "https://en.wikipedia.org/wiki/BitMEX" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "phemex", "name": "Phemex", "category": "derivatives", "website": "https://phemex.com", "founded_year": 2019, "hq": null, "us_status": "not_available", "us_status_note": "Phemex Terms of Use (last updated July 10, 2025, as shown on Oct 5, 2026) list the United States of America among Restricted Territories and exclude US citizens, Green Card holders and US tax residents.", "us_status_source": "https://phemex.com/help-center/phemex-terms-of-use", "restriction_basis": "Terms define Restricted Territories as including \"United Arab Emirates, United States of America, United Kingdom, Ontario (Canada)\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Crypto futures trading", "global_scale_note": null, "sources": [ "https://phemex.com/help-center/phemex-terms-of-use", "https://phemex.com/" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "whitebit", "name": "WhiteBIT", "category": "cex", "website": "https://whitebit.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "WhiteBIT's terms bar US citizens and residents; its US site (WhiteBIT US, Inc.) was still a waitlist on Oct 5, 2026 stating \"Services are not currently available\".", "us_status_source": "https://whitebit.com/terms", "restriction_basis": "Terms s.3.5 exclude anyone who is \"a citizen and/or a resident of the United States of America\"", "us_enforcement": [], "us_entity_or_alternative": "WhiteBIT US, Inc. (NMLS ID 2715589, FinCEN-registered MSB) - pre-launch, waitlist only", "us_return_plans": "US launch announced via waitlist at whitebit.us; no launch date; site says \"Future availability will vary by state\" (seen Oct 5, 2026)", "known_for": "Large European exchange from Ukraine", "global_scale_note": null, "sources": [ "https://whitebit.com/terms", "https://coming-soon.whitebit.us/" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "coinmetro", "name": "Coinmetro", "category": "cex", "website": "https://coinmetro.com", "founded_year": null, "hq": "Estonia (Coinmetro OÜ)", "us_status": "defunct", "us_status_note": "Coinmetro OÜ suspended onboarding, trading, deposits and withdrawals on June 22, 2026 after a financial service provider failed, and said it would file for court reorganisation in Estonia; the pause banner was still on the site on Oct 5, 2026.", "us_status_source": "https://coinmetro.com/blog/announcement-onboarding-depositing-and-withdrawals", "restriction_basis": "Not a US ban: announcement says \"Onboarding, trading, depositing and withdrawals paused\" due to \"a failure of one of our financial service providers\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Estonian exchange that served US users", "global_scale_note": null, "sources": [ "https://coinmetro.com/blog/announcement-onboarding-depositing-and-withdrawals", "https://coinmetro.com/blog/coinmetro-is-back-in-the-us-now-with-fedwire", "https://coinmetro.com/terms-of-use", "https://coinmetro.com/blog" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "coinex", "name": "CoinEx", "category": "cex", "website": "https://www.coinex.com", "founded_year": 2017, "hq": "Hong Kong (per Wikipedia)", "us_status": "not_available", "us_status_note": "Per Wikipedia, in its June 2023 settlement with the New York Attorney General CoinEx agreed to stop opening accounts for US customers; CoinEx's own terms could not be read.", "us_status_source": "https://en.wikipedia.org/wiki/CoinEx", "restriction_basis": "Secondary (Wikipedia): CoinEx \"agreed to stop opening accounts for customers in the United States\"", "us_enforcement": [ { "year": 2023, "agency": "New York Attorney General", "summary": "June 2023 settlement: CoinEx paid more than $1.7 million (about $1.1M refunds to NY investors, $600,000 penalty) and was barred from offering securities and commodities in New York.", "source": "https://en.wikipedia.org/wiki/CoinEx" } ], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Altcoin spot and futures exchange", "global_scale_note": null, "sources": [ "https://en.wikipedia.org/wiki/CoinEx" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "bitvavo", "name": "Bitvavo", "category": "cex", "website": "https://www.bitvavo.com", "founded_year": 2018, "hq": "Amsterdam, Netherlands", "us_status": "not_available", "us_status_note": "Bitvavo's terms (updated 15 July 2025) restrict accounts to EEA residents and require users to represent they are not US residents, citizens or US Persons.", "us_status_source": "https://www.bitvavo.com/en/terms", "restriction_basis": "Art. 2.1: accounts \"restricted to individuals or legal entities ... resident or established in the European Economic Area\"; Art. 2.3 excludes any \"US Person\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Largest Dutch crypto exchange", "global_scale_note": "Largest crypto trading platform in the Netherlands (Wikipedia, 2024); MiCA authorisation from AFM June 2025", "sources": [ "https://www.bitvavo.com/en/terms", "https://en.wikipedia.org/wiki/Bitvavo" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "blofin", "name": "BloFin", "category": "derivatives", "website": "https://blofin.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "BloFin's Terms of Use (last updated July 3, 2026) list the United States of America as a Restricted Location.", "us_status_source": "https://blofin.com/en/terms", "restriction_basis": "\"may not be accessed or used by individuals and/or legal entities that is resident of, or domiciled in a Restricted Location\" (list includes \"United States of America\")", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Crypto futures and copy trading", "global_scale_note": null, "sources": [ "https://blofin.com/en/terms" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "weex", "name": "WEEX", "category": "derivatives", "website": "https://www.weex.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "WEEX Terms of Use (last updated 2 June 2025) state it does not offer services to users in the United States or its territories.", "us_status_source": "https://weexsupport.zendesk.com/hc/en-us/articles/4417379529241-Terms-of-Use", "restriction_basis": "\"WEEX does not offer services or products to Users in ... Canada, United States of America, United States Territories and Commonwealths\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Crypto futures and copy trading", "global_scale_note": null, "sources": [ "https://weexsupport.zendesk.com/hc/en-us/articles/4417379529241-Terms-of-Use", "https://weexsupport.zendesk.com/hc/en-us" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bydfi", "name": "BYDFi", "category": "cex", "website": "https://www.bydfi.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "BYDFi's Terms of Service (page dated 2026-09-18) list the United States among countries where it does not provide services or accept registrations.", "us_status_source": "https://www.bydfi.com/support/terms-of-service/terms-of-service", "restriction_basis": "\"BYDFi does not provide Services, nor do we accept User registrations or trade applications, in the following countries: ... the United States\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Futures and memecoin trading", "global_scale_note": null, "sources": [ "https://www.bydfi.com/support/terms-of-service/terms-of-service" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bitunix", "name": "Bitunix", "category": "derivatives", "website": "https://www.bitunix.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Bitunix's Restricted Regions and User Eligibility Notice (updated August 5, 2026) lists the United States, including all US territories, as a restricted region.", "us_status_source": "https://www.bitunix.com/hub/helpcenter/article/bitunix-restricted-regions-and-user-eligibility-notice?id=146", "restriction_basis": "Restricted regions include \"The United States (including all U.S. territories such as Puerto Rico, Guam, U.S. Virgin Islands ...)\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Crypto futures trading", "global_scale_note": null, "sources": [ "https://www.bitunix.com/hub/helpcenter/article/bitunix-restricted-regions-and-user-eligibility-notice?id=146", "https://www.bitunix.com/" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bitrue", "name": "Bitrue", "category": "cex", "website": "https://www.bitrue.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Bitrue's Terms of Use (amended 15 June 2025) state it does not provide services to users in the United States.", "us_status_source": "https://support.bitrue.com/hc/en-001/articles/4405473110681-Bitrue-Terms-of-Use", "restriction_basis": "\"Bitrue does not provide services to users in certain countries or regions such as the United States, Canada, China Mainland\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "XRP-focused altcoin exchange", "global_scale_note": null, "sources": [ "https://support.bitrue.com/hc/en-001/articles/4405473110681-Bitrue-Terms-of-Use", "https://www.bitrue.com/" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "primexbt", "name": "PrimeXBT", "category": "derivatives", "website": "https://primexbt.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "PrimeXBT's website disclaimer (read 2026-10-05) says its entities do not offer services to residents of the USA.", "us_status_source": "https://primexbt.com/", "restriction_basis": "\"The entities above do not offer services to residents of certain jurisdictions including the USA, Canada, Iran, North Korea, Russia\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Leveraged crypto futures and CFDs", "global_scale_note": null, "sources": [ "https://primexbt.com/" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "revolut", "name": "Revolut", "category": "other", "website": "https://www.revolut.com", "founded_year": 2015, "hq": "London, England", "us_status": "not_available", "us_status_note": "Per Wikipedia, Revolut halted cryptocurrency trading for US customers in 2023; its US site (read 2026-10-05) lists no crypto product.", "us_status_source": "https://en.wikipedia.org/wiki/Revolut", "restriction_basis": "Secondary (Wikipedia): \"Revolut halted cryptocurrency trading services for its US customers in 2023, citing the 'evolving regulatory environment'\"", "us_enforcement": [], "us_entity_or_alternative": "Revolut's US app remains available for non-crypto services (cards, savings, stock trading)", "us_return_plans": "No crypto relaunch announcement found. Per Wikipedia, Revolut applied to the OCC for a US licence in February 2026 and obtained conditional approval for a US banking licence in September 2026.", "known_for": "Fintech app with crypto outside the US", "global_scale_note": null, "sources": [ "https://en.wikipedia.org/wiki/Revolut", "https://www.revolut.com/en-US/crypto/" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "bitmart", "name": "BitMart", "category": "cex", "website": "https://www.bitmart.com", "founded_year": 2017, "hq": "Cayman Islands (registered entity, per CoinGecko)", "us_status": "defunct", "us_status_note": "BitMart announced on July 26, 2026 an orderly wind-down: registrations and deposits suspended that day, trading ended August 26, 2026, final platform termination January 31, 2027.", "us_status_source": "https://bitmart.zendesk.com/hc/en-us/articles/53544595916059", "restriction_basis": "\"BitMart has made the difficult decision to commence an orderly wind-down of its trading platform operations\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": "Not a US plan: BitMart posted restructuring updates (Aug 21, 2026 'Potential Restructuring and Business Resumption Plan'; Sept 9 Alvarez & Marsal appointment; Sept 30 'Initial Indicative Proposal and Roadmap').", "known_for": "Altcoin exchange now winding down", "global_scale_note": null, "sources": [ "https://bitmart.zendesk.com/hc/en-us/articles/53544595916059", "https://bitmart.zendesk.com/hc/en-us/articles/56571281537051", "https://bitmart.zendesk.com/hc/en-us/articles/54725718597531", "https://bitmart.zendesk.com/hc/en-us/articles/55590730955291", "https://www.coingecko.com/en/exchanges/bitmart" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "whitebit-us", "name": "WhiteBIT US", "category": "cex", "website": "https://whitebit.us", "founded_year": 2018, "hq": "New York, NY, USA", "us_status": "not_available", "us_status_note": "On Oct 5, 2026 whitebit.us redirected to a pre-launch waitlist page stating that no services are available and no users are being accepted, despite a Dec 1, 2025 launch announcement.", "us_status_source": "https://coming-soon.whitebit.us/", "sources": [ "https://coming-soon.whitebit.us/", "https://www.prnewswire.com/news-releases/whitebit-expands-globally-with-us-launch-and-times-square-campaign-302629024.html", "https://coinlaw.io/whitebit-us-crypto-exchange-launch/", "https://finbold.com/whitebit-launches-in-the-u-s-with-times-square-campaign/", "https://phemex.com/news/article/whitebit-secures-us-licenses-launches-whitebit-us-41125", "https://www.datawallet.com/crypto/whitebit-restricted-countries", "https://whitebit.com/terms" ], "confidence": "high", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "alto-cryptoira", "name": "Alto CryptoIRA", "category": "crypto_ira", "website": "https://www.altoira.com", "founded_year": null, "hq": null, "us_status": "defunct", "us_status_note": "Alto sold its CryptoIRA business to Public (announced Nov 13, 2025) and no longer offers crypto directly; accounts were slated to move to Public's platform in early 2026, with Alto Trust remaining custodian.", "us_status_source": "https://www.altoira.com/news/alto-announces-sale-of-cryptoira-to-public", "sources": [ "https://www.altoira.com/news/alto-announces-sale-of-cryptoira-to-public", "https://www.altoira.com/news", "https://www.altoira.com/help-center", "https://www.altoira.com/pricing", "https://www.altoira.com/", "https://public.com/invest/crypto-ira", "https://public.com/disclosures/fee-schedule" ], "confidence": "high", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "meteora", "name": "Meteora", "category": "dex", "website": "https://www.meteora.ag", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Meteora's Terms of Service (read 2026-10-05) list the United States as a Restricted Territory and prohibit VPN use by restricted persons.", "us_status_source": "https://docs.meteora.ag/resources/legal/terms-of-service.md", "sources": [ "https://defillama.com/protocol/meteora", "https://docs.meteora.ag/resources/legal/terms-of-service.md", "https://docs.meteora.ag/resources/audits/dlmm.md", "https://docs.meteora.ag/resources/audits/overview.md", "https://docs.meteora.ag/llms.txt" ], "confidence": "high", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "odos", "name": "Odos", "category": "dex_aggregator", "website": "https://www.odos.xyz", "founded_year": 2022, "hq": null, "us_status": "defunct", "us_status_note": "On 2026-10-05 both odos.xyz and app.odos.xyz served a page titled 'Odos Shutdown Information'; the shutdown date and reason could not be read.", "us_status_source": "https://www.odos.xyz/", "sources": [ "https://defillama.com/protocol/odos", "https://www.odos.xyz/", "https://app.odos.xyz/", "https://docs.odos.xyz/", "https://docs.odos.xyz/build/audits" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "dydx", "name": "dYdX", "category": "dex", "website": "https://dydx.exchange", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "dYdX Terms of Use (last updated March 12, 2026) prohibit use of the perpetuals trading software by persons who \"reside in, are located in, are incorporated in, have a registered office or principal place of business in, or are operated or controlled from, the United States, Canada or the United Kingdom\"; VPN circumvention is prohibited.", "us_status_source": "https://dydx.exchange/terms", "sources": [ "https://dydx.exchange/terms", "https://defillama.com/protocol/dydx", "https://docs.dydx.xyz/concepts/trading/rewards" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "aster", "name": "Aster", "category": "dex", "website": "https://www.asterdex.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Aster Terms & Conditions (last updated February 25, 2026): the Services are \"not available to, and you are expressly prohibited from using them if you reside in, are located in, are incorporated in, or have a registered office or principal place of business in ... the United States of America, Canada, the United Kingdom, China ...\".", "us_status_source": "https://docs.asterdex.com/resources/terms-and-conditions.md", "sources": [ "https://docs.asterdex.com/resources/terms-and-conditions.md", "https://defillama.com/protocol/aster" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "lighter", "name": "Lighter", "category": "dex", "website": "https://lighter.xyz", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Lighter Terms of Service (Elliot Technologies, Inc., last updated December 29, 2025): \"OUR SERVICES WERE NOT DEVELOPED FOR, AND ARE NOT AVAILABLE TO PERSONS OR ENTITIES WHO RESIDE IN, ARE LOCATED IN, ARE INCORPORATED IN, OR HAVE A REGISTERED OFFICE OR PRINCIPAL PLACE OF BUSINESS IN THE UNITED STATES OF AMERICA, CANADA, THE UNITED KINGDOM ...\".", "us_status_source": "https://lighter.xyz/terms", "sources": [ "https://lighter.xyz/terms", "https://defillama.com/protocol/lighter", "https://docs.lighter.xyz/trading/trading-fees.md", "https://docs.lighter.xyz/llms.txt" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "rango-exchange", "name": "Rango Exchange", "category": "dex_aggregator", "website": "https://rango.exchange", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Rango Terms of Use (last updated May 7, 2025): \"Our Services are NOT available to individuals or entities located in, citizens of, incorporated in, or with a registered office in the United States of America\"; VPN use to bypass the restriction is prohibited.", "us_status_source": "https://docs.rango.exchange/terms-of-use.md", "sources": [ "https://docs.rango.exchange/terms-of-use.md", "https://defillama.com/protocol/rango", "https://docs.rango.exchange/llms.txt", "https://docs.rango.exchange/" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "changelly", "name": "Changelly", "category": "onramp_swap", "website": "https://changelly.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Terms of Use (read Oct 2026) require that the user is not located in, or a national or resident of, the 'United States (including all territories)'.", "us_status_source": "https://changelly.com/terms-of-use", "sources": [ "https://changelly.com/terms-of-use" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "simpleswap", "name": "SimpleSwap", "category": "onramp_swap", "website": "https://simpleswap.io", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Terms of Service (read Oct 2026) list the 'United States of America (including all USA territories...)' among prohibited locations.", "us_status_source": "https://simpleswap.io/terms-of-service", "sources": [ "https://simpleswap.io/terms-of-service" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "hodl-hodl", "name": "Hodl Hodl", "category": "p2p", "website": "https://hodlhodl.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Terms of Service (read Oct 2026) list the United States, 'including all states, the District of Columbia, Puerto Rico, U.S. Virgin Islands, and all other U.S. territories and possessions', among restricted jurisdictions.", "us_status_source": "https://accounts.hodlhodl.com/terms-of-service", "sources": [ "https://accounts.hodlhodl.com/terms-of-service" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "paxos-itbit", "name": "Paxos (itBit)", "category": "institutional", "website": "https://www.paxos.com", "founded_year": 2012, "hq": "New York, NY, USA", "us_status": "defunct", "us_status_note": "The itBit exchange was retired effective August 9, 2026, per paxos.com/itbit; Paxos continues as a B2B brokerage, custody and stablecoin infrastructure provider.", "us_status_source": "https://www.paxos.com/itbit", "sources": [ "https://www.paxos.com/itbit", "https://www.paxos.com/", "https://en.wikipedia.org/wiki/Paxos_Trust_Company", "https://www.dfs.ny.gov/virtual_currency_businesses" ], "confidence": "medium", "as_of": "2026-10-05", "restriction_basis": null, "known_for": null }, { "id": "deribit", "name": "Deribit", "category": "derivatives", "website": "https://www.deribit.com", "founded_year": null, "hq": "Panama City, Panama", "us_status": "not_available", "us_status_note": "Deribit's Terms of Service (DRB Panama Inc) list the United States of America first among restricted jurisdictions (read 2026-10-05).", "us_status_source": "https://statics.deribit.com/files/TermsofServiceDeribit.pdf", "restriction_basis": "Terms art. 2.4: use \"is not allowed if you are located, incorporated or otherwise established in, or a resident of: (i) the United States of America\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Crypto options and futures", "global_scale_note": null, "sources": [ "https://statics.deribit.com/files/TermsofServiceDeribit.pdf", "https://support.deribit.com/hc/en-us/articles/25944487427741-Restricted-Jurisdictions" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "htx", "name": "HTX (formerly Huobi)", "category": "cex", "website": "https://www.htx.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "The HTX Platform User Agreement (last updated September 2026) prohibits users from the United States of America from using all services.", "us_status_source": "https://www.htx.com/support/en-us/detail/360000298561", "restriction_basis": "User Agreement 1.2: users from listed jurisdictions, including \"THE UNITED STATES OF AMERICA\", are \"PROHIBITED FROM USING ALL SERVICES\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Global exchange formerly called Huobi", "global_scale_note": null, "sources": [ "https://www.htx.com/support/en-us/detail/360000298561" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "hyperliquid", "name": "Hyperliquid", "category": "dex", "website": "https://app.hyperliquid.xyz", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Hyperliquid's Terms of Use (last updated June 15, 2026) state the Interface is not available to persons residing or located in the United States.", "us_status_source": "https://app.hyperliquid.xyz/terms", "restriction_basis": "Terms 1.6: Restricted Persons include those who \"reside in, are located in, are incorporated in, or have a registered office in the United States of America\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Onchain perpetual futures exchange", "global_scale_note": null, "sources": [ "https://app.hyperliquid.xyz/terms" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "drift", "name": "Drift (now Velocity)", "category": "dex", "website": "https://velocity.exchange", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Drift's docs now redirect to Velocity, whose Terms of Use (last updated November 2025) say perpetual contracts and related services are not offered to US persons.", "us_status_source": "https://assets.velocity.exchange/docs/terms-of-use.txt", "restriction_basis": "Terms notice: perpetual contracts and related services \"are not offered to and may not be used by\" persons in \"the United States of America\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Solana perpetual futures DEX", "global_scale_note": null, "sources": [ "https://assets.velocity.exchange/docs/terms-of-use.txt", "https://docs.velocity.exchange/legal-and-regulations/terms-of-use" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "gmx", "name": "GMX", "category": "dex", "website": "https://gmx.io", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "GMX.io Terms and Conditions (last modified August 20, 2026) require users to represent they are not a U.S. Person and bar U.S. Persons from perpetual contracts.", "us_status_source": "https://gmx.io/terms-and-conditions", "restriction_basis": "Terms 1.1.3: \"You are not a U.S. Person\"; section 8: \"no U.S. Person may enter into Perpetual Contracts using the Interface\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Decentralized perpetual futures trading", "global_scale_note": null, "sources": [ "https://gmx.io/terms-and-conditions" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "lbank", "name": "LBank", "category": "cex", "website": "https://www.lbank.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "LBank's User Service Agreement lists the United States among regions it does not accept and says it provides no personal accounts to US residents (read 2026-10-05).", "us_status_source": "https://www.lbank.com/support/articles/21436496711705", "restriction_basis": "User agreement: \"LBank does not provide personal account services to residents of the United States\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Global altcoin exchange", "global_scale_note": null, "sources": [ "https://www.lbank.com/support/articles/21436496711705", "https://www.lbank.com/support/articles/terms-of-service" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bitpanda", "name": "Bitpanda", "category": "cex", "website": "https://www.bitpanda.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Bitpanda's help center (updated Aug 6, 2026) says persons with US citizenship or located in the United States may not become users, citing FATCA.", "us_status_source": "https://support.bitpanda.com/hc/en-us/articles/360019578140-Who-can-use-Bitpanda", "restriction_basis": "Help center: \"persons with US citizenship or who are located in the United States may not become a Bitpanda user\"", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "European retail investing app", "global_scale_note": null, "sources": [ "https://support.bitpanda.com/hc/en-us/articles/360019578140-Who-can-use-Bitpanda", "https://support.bitpanda.com/hc/en-us/articles/360000996469-Customer-ID-documents-acceptance-policy" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "bithumb", "name": "Bithumb", "category": "cex", "website": "https://www.bithumb.com", "founded_year": null, "hq": "South Korea", "us_status": "not_available", "us_status_note": "Bithumb serves Korean residents: its help center (Aug 27, 2026) says non-residents under Korean income-tax law cannot pass customer verification, and its terms allow restricting non-resident foreigners.", "us_status_source": "https://support.bithumb.com/hc/ko/articles/51138614938649", "restriction_basis": "Help center: non-resident Koreans abroad \"고객확인이 불가\" (cannot be verified); terms allow restrictions where a member is a \"비거주외국인\" (non-resident foreigner)", "us_enforcement": null, "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Major South Korean exchange", "global_scale_note": null, "sources": [ "https://support.bithumb.com/hc/ko/articles/51138614938649", "https://feed-content.bithumb.com/cms/ceebe340-b3b5-46c8-a41c-4fd71f582d0c.pdf" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "poloniex", "name": "Poloniex", "category": "cex", "website": "https://poloniex.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "The Poloniex User Agreement (last revised April 1, 2026) states its services are not offered to US citizens or residents and lists the United States and all US territories as Restricted Territories.", "us_status_source": "https://poloniex.com/support/terms", "restriction_basis": "User Agreement: \"ANY CITIZEN OR RESIDENT OF THE UNITED STATES OR A RESTRICTED TERRITORY IS STRICTLY PROHIBITED FROM ACCESSING OR USING POLONIEX\"", "us_enforcement": [ { "year": 2023, "agency": "OFAC", "summary": "May 1, 2023: Poloniex, LLC agreed to pay $7,591,630 to settle 65,942 apparent sanctions violations from 2014-2019.", "source": "https://ofac.treasury.gov/recent-actions/20230501_33" }, { "year": 2021, "agency": "SEC", "summary": "Aug 9, 2021: Poloniex LLC agreed to pay more than $10 million to settle charges of operating an unregistered digital asset exchange.", "source": "https://www.sec.gov/newsroom/press-releases/2021-147" } ], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Long-running altcoin and futures exchange", "global_scale_note": null, "sources": [ "https://poloniex.com/support/terms", "https://ofac.treasury.gov/recent-actions/20230501_33", "https://www.sec.gov/newsroom/press-releases/2021-147" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "toobit", "name": "Toobit", "category": "cex", "website": "https://www.toobit.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Toobit's official notice says US users could no longer trade or deposit from August 1, 2024 and had to withdraw assets by August 31, 2024.", "us_status_source": "https://www.toobit.com/support/notice-for-discontinuation-of-services-in-the-united-states", "restriction_basis": "Notice for Discontinuation of Services in the United States: \"users in the United States will no longer be able to conduct any trading activities\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Futures and copy trading", "global_scale_note": null, "sources": [ "https://www.toobit.com/support/notice-for-discontinuation-of-services-in-the-united-states", "https://www.toobit.com/support/toobit-terms-of-use" ], "confidence": "medium", "as_of": "2026-10-05" }, { "id": "upbit", "name": "Upbit", "category": "cex", "website": "https://upbit.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "Upbit's customer-verification policy (updated Oct 4, 2026) says it restricts use by non-residents of South Korea, citing articles 5 and 17 of its terms.", "us_status_source": "https://support.upbit.com/hc/ko/articles/4416778013337", "restriction_basis": "KYC policy (Korean): \"국내 비거주자를 대상으로 이용을 제한\" - use by non-residents of Korea is restricted", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Korean won crypto trading", "global_scale_note": null, "sources": [ "https://support.upbit.com/hc/ko/articles/4416778013337", "https://upbit.com/service_center/notice" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "xt-com", "name": "XT.com", "category": "cex", "website": "https://www.xt.com", "founded_year": null, "hq": null, "us_status": "not_available", "us_status_note": "XT.com's User Agreement (updated Oct 4, 2026) lists the United States first among prohibited countries, and its site shows a restricted-region page to blocked IPs.", "us_status_source": "https://xtsupport.zendesk.com/hc/en-us/articles/900001631023-User-Agreement", "restriction_basis": "User Agreement 3.3.4: \"Users located in [United States, Canada, Mainland China, ...] are prohibited from using the services provided by XT.COM\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Altcoin spot and futures trading", "global_scale_note": null, "sources": [ "https://xtsupport.zendesk.com/hc/en-us/articles/900001631023-User-Agreement", "https://www.xt.com/en/restrict" ], "confidence": "high", "as_of": "2026-10-05" }, { "id": "debridge", "name": "deBridge", "category": "dex", "website": "https://debridge.com", "founded_year": null, "hq": "Panama City, Panama (DxTech Inc. legal address)", "us_status": "not_available", "us_status_note": "deBridge's Terms of Service (last updated Oct 13, 2025) define the United States as a Restricted Territory, and its legal page says it does not serve U.S. persons.", "us_status_source": "https://debridge.com/assets/files/debridge_terms_of_service_com.pdf", "restriction_basis": "Terms: \"Restricted Territory shall mean the United States of America, the People's Republic of China, ...\"; legal page excludes \"U.S. persons\"", "us_enforcement": [], "us_entity_or_alternative": null, "us_return_plans": null, "known_for": "Cross-chain bridging and swaps", "global_scale_note": null, "sources": [ "https://debridge.com/assets/files/debridge_terms_of_service_com.pdf", "https://debridge.com/legal", "https://defillama.com/protocol/debridge" ], "confidence": "high", "as_of": "2026-10-05" } ] }